Buying Guide
Buying Property
in Edinburgh
Expert guidance from Home Reports to completion — we make buying in Edinburgh straightforward.
Your Personal Buying
Expert in Edinburgh
Whether you're a first-time buyer, upsizing, or investing in Edinburgh property, Sean McMahon brings over 30 years of local expertise to help you find and secure the right property at the right price.
We cover the full Edinburgh market — from the Georgian streets of the New Town to waterfront living in Leith, leafy Morningside to the vibrant Portobello seafront.
View Properties for Sale arrow_forward
How Buying Works in Scotland
Get a Mortgage in Principle
Before viewing, speak to a mortgage adviser to understand your budget and get a Decision in Principle.
Find Your Property
Browse Rightmove, Zoopla and ESPC. We'll alert you to suitable properties and arrange viewings.
Home Report
Every property for sale in Scotland must have a Home Report — survey, energy report and property questionnaire.
Note of Interest & Offer
Note interest through your solicitor, then make a formal written offer. Most sales go to a closing date.
Missives
Solicitors exchange letters (missives) to agree the full terms. Binding contracts form once missives are concluded.
LBTT
Land and Buildings Transaction Tax replaces Stamp Duty in Scotland. First-time buyers receive relief on the first £175,000.
Settlement & Entry
On the agreed entry date, your solicitor transfers the purchase price and you receive the keys.
After Moving In
We stay in touch after completion. For letting advice, tradespeople or local contacts, Sean is only a call away.
LBTT Rates in Scotland
LBTT is paid by the buyer on residential purchases in Scotland. Rates are banded — you only pay each rate on the portion of the price within that band.
| Purchase Price | LBTT Rate |
|---|---|
| Up to £145,000 | 0% |
| £145,001 – £250,000 | 2% |
| £250,001 – £325,000 | 5% |
| £325,001 – £750,000 | 10% |
| Over £750,000 | 12% |
First-time buyers receive relief on the first £175,000. Additional Dwelling Supplement of 8% applies to second homes and buy-to-let purchases.
The Full Picture
Solicitor's Fees
Typically £1,000–£2,000 + VAT depending on purchase price and complexity.
Mortgage Arrangement Fee
Many lenders charge £500–£2,000, though some fee-free products are available.
Survey
Included in the Home Report provided by the seller. You may commission your own for added peace of mind.
Buildings Insurance
Required by your lender from the date of conclusion of missives.
Removal Costs
Budget £500–£2,000+ depending on the size of your move and distance.
Common Buying Questions
Free & No Obligation
What Is Your
Edinburgh Property Worth?
Sean McMahon provides expert, no-obligation valuations across Edinburgh and surrounding areas — based on real local knowledge, not just algorithms.