United Kingdom · Scotland
Scotland Mortgage Calculator
Estimate your monthly payment in Scotland using live Bank of England rates, with Scotland's own LBTT (Stamp Duty) bands and Council Tax (Band D average) — kept separate from the monthly mortgage figure, never blended in.
Loan details
Your UK estimate
Scotland · loan £315,000 (90% LTV)
Monthly payment — initial 2-year deal
£1,826.81
This payment applies for your initial 2-year fixed deal (4.92%). After that, you'd typically move to the lender's standard variable rate — currently averaging 7.13% — unless you remortgage onto a new deal.
Council Tax (Band D average) — paid separately, not to your lender
£1,579/yr≈ £132/mo
LBTT — one-time cost at purchase
£8,350(2.4% effective)
Important — please read
This calculator is provided for illustration purposes only and does not constitute financial advice, a mortgage offer, or a recommendation of any specific product or lender. The interest rate shown is a national average sourced from the Bank of England — your actual rate will depend on your personal circumstances, credit profile, deposit, and chosen lender, and is likely to differ from the figure shown here.
Stamp Duty/LBTT/LTT and Council Tax/Domestic Rates figures are estimates based on published national rates and averages at the time of writing; actual amounts depend on your local authority and the specific details of your purchase. Always confirm exact figures with HMRC, Revenue Scotland, the Welsh Revenue Authority, or your conveyancer before relying on them.
This site does not arrange mortgages, broke credit, or compare named lender products, and is not authorised or regulated by the Financial Conduct Authority. For advice tailored to your situation, speak to a qualified, FCA-regulated mortgage adviser.