First-time buyer
A first home in Edinburgh
The published average for City of Edinburgh local authority was £295,204 in April 2026. That is an area statistic, not the price of a home you have found, and MortgageConnector has no office in Edinburgh.
Source: HM Land Registry: UK HPI Scotland, April 2026. A 90% mortgage on that average is £265,684. At an example rate of 4.5% over 25 years the repayment is £1,476.76 a month. The rate is an example, not a product in Edinburgh. Nearest mortgage-amount page.
| Deposit | Cash | Mortgage |
|---|---|---|
| 5% | £14,760 | £280,444 |
| 10% | £29,520 | £265,684 |
| 15% | £44,281 | £250,923 |
| 20% | £59,041 | £236,163 |
| 25% | £73,801 | £221,403 |
Land and Buildings Transaction Tax (LBTT): Scotland uses LBTT rather than SDLT. Qualifying first-time buyers receive relief that raises the nil-rate band to £175,000. The Additional Dwelling Supplement can apply when the purchase is an additional property. Calculate tax on £295,204.
MortgageConnector is a mortgage broker introducer and information service. We do not provide regulated mortgage advice. Where appropriate, we can introduce you to an FCA-authorised mortgage broker who can assess your circumstances and provide advice.
The matching service is free for you. Partner brokers pay MortgageConnector for introductions. If you ask for an introduction, the details you submit are shared with the selected partner. The broker is responsible for regulated advice. Check the firm on the FCA Register.
Your home may be repossessed if you do not keep up repayments on your mortgage.
These figures are illustrative.
An FCA-authorised broker can look at the actual income, credit and property. MortgageConnector introduces you. We do not choose the mortgage.
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