£775,000 Property Transfer Tax & Mortgage in Scotland (2026)
Purchasing a £775,000 residential property in Scotland, United Kingdom incurs £26,250 in UK Stamp Duty Land Tax (SDLT) plus £2,200 in notary and land registry fees. With a 20% deposit (£155,000) and a 25-year mortgage at 4.62%, your monthly payment is £3,489/month.
Monthly Mortgage (25Y)
£3,489/mo
Loan: £620,000 @ 4.62%
Property Transfer Tax
£26,250
UK Stamp Duty Land Tax (SDLT)
Notary & Registry
£2,200
Total Closing: £28,450
Total Cash Needed
£183,450
20% Deposit + Closing Tax
Complete Closing Cost & Mortgage Amortization Table
| Property Purchase Price | £775,000 |
| UK Stamp Duty Land Tax (SDLT) (3.39%) | £26,250 |
| Notary & Land Registry Fees | £2,200 |
| Total Non-Recoverable Closing Costs | £28,450 |
| 20% Down Payment (Deposit) | £155,000 |
| Total Upfront Cash Required at Closing | £183,450 |
| Mortgage Principal Financed (80% LTV) | £620,000 |
| Monthly Principal & Interest (25 Years @ 4.62%) | £3,488.53 / month |
| Total Interest Over 25 Years | £426,558 |