In Scotland, you pay Land and Buildings Transaction Tax (LBTT) instead of UK Stamp Duty. Buy-to-let mortgages explained - MoneyHelper
Navigating the Scottish buy-to-let (BTL) market in April 2026 requires balancing strict financial criteria with local tax and regulatory obligations. Unlike residential lending, BTL mortgages in Scotland are primarily assessed on the property's rental potential rather than just your personal income. buy to let mortgage scotland
While some specialist lenders may offer 20% or even 15% in rare cases, the market standard in 2026 is 25% of the property value. For an average £200,000 property, you should budget for a £50,000 deposit. In Scotland, you pay Land and Buildings Transaction
Most lenders still require a minimum personal income, often around £25,000 per year , to provide a safety net for void periods. 2. Scotland-Specific Taxes (LBTT and ADS) While some specialist lenders may offer 20% or