£900,000 Property Transfer Tax & Mortgage in Scotland (2026)
Purchasing a £900,000 residential property in Scotland, United Kingdom incurs £32,500 in UK Stamp Duty Land Tax (SDLT) plus £2,200 in notary and land registry fees. With a 20% deposit (£180,000) and a 25-year mortgage at 4.62%, your monthly payment is £4,051/month.
Monthly Mortgage (25Y)
£4,051/mo
Loan: £720,000 @ 4.62%
Property Transfer Tax
£32,500
UK Stamp Duty Land Tax (SDLT)
Notary & Registry
£2,200
Total Closing: £34,700
Total Cash Needed
£214,700
20% Deposit + Closing Tax
Complete Closing Cost & Mortgage Amortization Table
| Property Purchase Price | £900,000 |
| UK Stamp Duty Land Tax (SDLT) (3.61%) | £32,500 |
| Notary & Land Registry Fees | £2,200 |
| Total Non-Recoverable Closing Costs | £34,700 |
| 20% Down Payment (Deposit) | £180,000 |
| Total Upfront Cash Required at Closing | £214,700 |
| Mortgage Principal Financed (80% LTV) | £720,000 |
| Monthly Principal & Interest (25 Years @ 4.62%) | £4,051.19 / month |
| Total Interest Over 25 Years | £495,358 |