£725,000 Property Transfer Tax & Mortgage in Scotland (2026)
Purchasing a £725,000 residential property in Scotland, United Kingdom incurs £23,750 in UK Stamp Duty Land Tax (SDLT) plus £2,200 in notary and land registry fees. With a 20% deposit (£145,000) and a 25-year mortgage at 4.62%, your monthly payment is £3,263/month.
Monthly Mortgage (25Y)
£3,263/mo
Loan: £580,000 @ 4.62%
Property Transfer Tax
£23,750
UK Stamp Duty Land Tax (SDLT)
Notary & Registry
£2,200
Total Closing: £25,950
Total Cash Needed
£170,950
20% Deposit + Closing Tax
Complete Closing Cost & Mortgage Amortization Table
| Property Purchase Price | £725,000 |
| UK Stamp Duty Land Tax (SDLT) (3.28%) | £23,750 |
| Notary & Land Registry Fees | £2,200 |
| Total Non-Recoverable Closing Costs | £25,950 |
| 20% Down Payment (Deposit) | £145,000 |
| Total Upfront Cash Required at Closing | £170,950 |
| Mortgage Principal Financed (80% LTV) | £580,000 |
| Monthly Principal & Interest (25 Years @ 4.62%) | £3,263.46 / month |
| Total Interest Over 25 Years | £399,038 |