£850,000 Property Transfer Tax & Mortgage in Scotland (2026)
Purchasing a £850,000 residential property in Scotland, United Kingdom incurs £30,000 in UK Stamp Duty Land Tax (SDLT) plus £2,200 in notary and land registry fees. With a 20% deposit (£170,000) and a 25-year mortgage at 4.62%, your monthly payment is £3,826/month.
Monthly Mortgage (25Y)
£3,826/mo
Loan: £680,000 @ 4.62%
Property Transfer Tax
£30,000
UK Stamp Duty Land Tax (SDLT)
Notary & Registry
£2,200
Total Closing: £32,200
Total Cash Needed
£202,200
20% Deposit + Closing Tax
Complete Closing Cost & Mortgage Amortization Table
| Property Purchase Price | £850,000 |
| UK Stamp Duty Land Tax (SDLT) (3.53%) | £30,000 |
| Notary & Land Registry Fees | £2,200 |
| Total Non-Recoverable Closing Costs | £32,200 |
| 20% Down Payment (Deposit) | £170,000 |
| Total Upfront Cash Required at Closing | £202,200 |
| Mortgage Principal Financed (80% LTV) | £680,000 |
| Monthly Principal & Interest (25 Years @ 4.62%) | £3,826.13 / month |
| Total Interest Over 25 Years | £467,838 |