The Real Cost of Buying a First Home in Ellon
A first purchase at the £210,000 Ellon average needs about £25,000 in cash, made up of £21,000 deposit, £700 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 £210,000 Ellon average needs about £25,000 in cash, made up of £21,000 deposit, £700 LBTT with first time buyer relief, and roughly £3,300 in fees.
Every pound you need before completion in Ellon
On the local average the deposit is £21,000, LBTT is £700 and fees are near £3,300. Total cash needed is about £25,000.
First time buyer relief raises the LBTT nil rate band to £175,000, saving you £600 against the standard charge of £1,300 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 Ellon.
Borrowing power on an Ellon income
Running costs from week one
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.
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.
The Ellon detail first buyers ask about
The schools families ask about here are Ellon Academy, Ellon Primary School, Auchterellon School and Ellon cluster primaries. Ratings age between inspections, so read the latest report before you rely on one.
On getting about: Ellon to Aberdeen (by road) takes about ~25 to 30 min drive.
By price, Ellon ranks 15 of the 25 Aberdeenshire locations we cover, at £210,000 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 Ellon
Ellon is a historic Formartine market town on the River Ythan, now one of the fastest-growing Aberdeen-commuter towns, home of BrewDog.
The full local guide covers schools, transport and the market in detail: Ellon property and area guide.
| Budget | What it buys here |
|---|---|
| Around £95,000 to £150,000 | A town-centre flat or smaller terrace, the most accessible way into the market, popular with first-time buyers and investors. |
| Around £150,000 to £270,000 | A terrace, a semi or a newer detached family home on the estates, the heart of the Ellon market, popular with commuters and families. |
| £270,000 and above | A larger, newer or country home near the town, the top of the local market. |
- An easy road commute to Aberdeen (~25 to 30 min) up the A90
- Good schools and a modern academy (2015 campus)
- Plenty of modern family housing and new-build choice
- The BrewDog brewery as a local employer and visitor draw
- The River Ythan, estuary and Sands of Forvie on the doorstep
- No railway station, the commute is by road or bus
- Nearest full 24-hour blue-light A&E is Aberdeen Royal Infirmary (~16 miles), not in the town
- A lot of recent new-build growth, check developer, adoption and factoring
- New-build supply and Aberdeen's energy-linked market are worth watching
- Riverside and low-lying homes need a flood check near the Ythan
Ellon is known locally for The home of BrewDog, and The BrewDog brewery & DogTap. Ellon is the home of BrewDog, the well-known Scottish craft brewer, whose original brewery, headquarters and DogTap taproom are in the town, a genuine local employer and a modern part of Ellon's identity. See brewdog.com.
Practical detail for Ellon: the AB41 postcode district, none, Ellon has no railway station; nearest at Dyce and Aberdeen; commute by road or bus and nearest A and E is Aberdeen Royal Infirmary (ARI), Aberdeen, the nearest full 24-hour blue-light A&E (~16 miles); there is no A&E in the town.
Ellon at a glance
| Upfront cost | Ellon figure |
|---|---|
| Average price | £210,000 |
| Deposit at 10% | £21,000 |
| LBTT, first time buyer | £700 |
| LBTT, standard rate | £1,300 |
| Legal, survey and moving | £3,300 |
| Total cash needed | £25,000 |
| Monthly repayment illustration | £1,105 |
Figures are local averages used for illustration. Confirm your own numbers before acting on them.
Ask about Ellon
Three details is all we need. You are told before anything is passed to a partner firm.
Your checklist
- Total cash of about £25,000, 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 Ellon
Broadband speeds can vary street by street in Ellon, 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 Ellon?
Do first time buyers pay LBTT in Ellon?
What is the biggest hidden cost?
How do I check broadband speed at a property in Ellon?
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