First-time buyer
A first home in Glasgow
The published average for City of Glasgow local authority was £193,675 in July 2026 (provisional). That is an area statistic, not the price of a home you have found, and MortgageConnector has no office in Glasgow.
Source: UK House Price Index: City of Glasgow, July 2026 (provisional). Retrieved 2 October 2026.. A 90% mortgage on that average is £174,308. At an example rate of 4.5% over 25 years the repayment is £968.86 a month. The rate is an example, not a product in Glasgow. Nearest mortgage-amount page.
| Deposit | Cash | Mortgage |
|---|---|---|
| 5% | £9,684 | £183,991 |
| 10% | £19,368 | £174,308 |
| 15% | £29,051 | £164,624 |
| 20% | £38,735 | £154,940 |
| 25% | £48,419 | £145,256 |
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 £193,675.
MortgageConnector provides free mortgage research and calculators. If you want personalised advice, we can introduce you to an FCA-authorised mortgage broker. We do not provide regulated mortgage advice ourselves.
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.
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An FCA-authorised broker can look at your income, credit and the property. MortgageConnector will introduce you. We do not recommend a mortgage.
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