The Real Cost of Buying a First Home in Aboyne
A first purchase at the £285,000 Aboyne average needs about £35,050 in cash, made up of £28,500 deposit, £3,250 LBTT with first time buyer relief, and roughly £3,300 in fees.
The introduction costs you nothing. If you go ahead, we may be paid a fee by the firm we introduce you to.
A first purchase at the £285,000 Aboyne average needs about £35,050 in cash, made up of £28,500 deposit, £3,250 LBTT with first time buyer relief, and roughly £3,300 in fees.
The full cash number for Aboyne
On the local average the deposit is £28,500, LBTT is £3,250 and fees are near £3,300. Total cash needed is about £35,050.
First time buyer relief raises the LBTT nil rate band to £175,000, saving you £600 against the standard charge of £3,850 at this price. LBTT rates are set by the Scottish Government and collected by Revenue Scotland. Confirm the current position on revenue.scot before you complete.
Where the upfront cash goes
The commercial page for this town sets out the introduction itself: Mortgage advice in Aboyne.
Where local earnings cap the purchase price
The costs that start the day you move in
Band D council tax in Aberdeenshire is £1,686 a year, which is £141 a month. Add energy, water, insurance and maintenance.
Protection belongs in the same budget. If the mortgage depends on two incomes, it depends on both people staying well enough to earn. That is the part of the purchase we advise on directly.
The Aboyne detail first buyers ask about
The schools families ask about here are Aboyne Academy, Aboyne Primary School and Mid & upper Deeside primaries. Ratings age between inspections, so read the latest report before you rely on one.
On getting about: Transport in Aboyne is a road-and-bus story, the A93 Deeside road to Aberdeen, but no railway. These indicative times are a starting point, always verify current timetables before relying on a specific journey.
By price, Aboyne ranks 3 of the 25 Aberdeenshire locations we cover, at £285,000 against a county average of £217,600. Band D council tax here is £1,686, against £1,686 across the county.
What your money buys in Aboyne
Aboyne is a desirable Royal Deeside village around its famous Green on the River Dee, on the edge of the Cairngorms National Park.
The full local guide covers schools, transport and the market in detail: Aboyne property and area guide.
In Scotland first time buyer relief raises the LBTT nil rate band to £175,000, worth up to £600. There is no upper price limit on the relief.
| Budget | What it buys here |
|---|---|
| Around £140,000 to £210,000 | A flat, cottage or smaller home, the most accessible way into a desirable market, popular with first-time buyers, downsizers and investors. |
| Around £210,000 to £360,000 | A terrace, a semi or a detached family home in the village, the heart of the Aboyne market, popular with commuters and families. |
| £360,000 and above | A larger, period, country or riverside home in a sought-after Deeside village, a strong upper market. |
- A desirable Royal Deeside village around its famous Green
- Good schools including Aboyne Academy in the village
- The Highland Games, the Loch of Aboyne and Glen Tanar on the doorstep
- A desirable, well-served village popular with commuters, families and retirees
- A simple Scottish council-tax bill, no police, fire or community precept
- A Deeside-premium village market
- No railway, the commute is by the A93 road or bus (about 30 miles to Aberdeen)
- Nearest full 24-hour blue-light A&E is Aberdeen Royal Infirmary (~30 miles), not in the village
- Riverside and low-lying homes need a flood check (Deeside flooded in 2015 to 16)
- Scottish Water is a separate charge added to the same bill (~£652 at Band D)
Aboyne is known locally for The Green & the Highland Games. Aboyne is laid out around its large village Green, on which the famous Aboyne Highland Games are held each summer, one of the great Deeside gatherings, and a genuine focus of village life. See aboynegames.com.
Practical detail for Aboyne: the AB34 postcode district, none, the Deeside line closed in 1966; the commute is by the A93 road or bus and nearest A and E is Aberdeen Royal Infirmary (ARI), Aberdeen, the nearest full 24-hour blue-light A&E (~30 miles); there is a health centre only in the village.
Aboyne at a glance
| Upfront cost | Aboyne figure |
|---|---|
| Average price | £285,000 |
| Deposit at 10% | £28,500 |
| LBTT, first time buyer | £3,250 |
| LBTT, standard rate | £3,850 |
| Legal, survey and moving | £3,300 |
| Total cash needed | £35,050 |
| Monthly repayment illustration | £1,499 |
Figures are local averages used for illustration. Confirm your own numbers before acting on them.
Ask about Aboyne
Three details is all we need. You are told before anything is passed to a partner firm.
Your checklist
- Total cash of about £35,050, not just the deposit
- Your LBTT position confirmed on revenue.scot
- A first year running cost budget including £1,686 council tax
- Income protection quoted before completion, not after
The introduction costs you nothing. If you go ahead, we may be paid a fee by the firm we introduce you to.
Check broadband before you make an offer in Aboyne
Broadband speeds can vary street by street in Aboyne, so check the exact address before you commit. Ofcom's free checker shows which broadband speeds and mobile coverage are available at any UK property.
We can introduce you to a specialist who can combine your mobile, broadband and utilities into one bill. There's no fee for the introduction.
We don't provide these services ourselves. Switching household bills is not a regulated financial service, so FCA protections and the Financial Ombudsman do not apply. We'll only pass your details to the specialist if you ask us to. See our privacy notice.
Questions people ask
How much money do I need to buy a first home in Aboyne?
Do first time buyers pay LBTT in Aboyne?
What is the biggest hidden cost?
How do I check broadband speed at a property in Aboyne?
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