The Real Cost of Buying a First Home in Kirriemuir
A first purchase at the £175,000 Kirriemuir average needs about £20,800 in cash, made up of £17,500 deposit, £0 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 £175,000 Kirriemuir average needs about £20,800 in cash, made up of £17,500 deposit, £0 LBTT with first time buyer relief, and roughly £3,300 in fees.
Every pound you need before completion in Kirriemuir
On the local average the deposit is £17,500, LBTT is £0 and fees are near £3,300. Total cash needed is about £20,800.
First time buyer relief raises the LBTT nil rate band to £175,000, saving you £600 against the standard charge of £600 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 Kirriemuir.
What you can borrow against local incomes
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.
Running costs from week one
Band D council tax in Angus is £1,599 a year, which is £133 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 Kirriemuir detail first buyers ask about
The schools families ask about here are Webster's High School, Northmuir Primary School, Southmuir Primary School, Websters (Kirriemuir) area primaries and Glens & village primaries. Ratings age between inspections, so read the latest report before you rely on one.
On getting about: Kirriemuir to Forfar takes about ~10 to 12 min drive.
By price, Kirriemuir ranks 4 of the 8 Angus locations we cover, at £175,000 against a county average of £190,000. Band D council tax here is £1,599, against £1,599 across the county.
What your money buys in Kirriemuir
Kirriemuir is the Angus glens market town, "Kirrie", red-sandstone, J.M. Barrie's birthplace, the gateway to Glen Clova; affordable and characterful.
The full local guide covers schools, transport and the market in detail: Kirriemuir property and area guide.
| Budget | What it buys here |
|---|---|
| Around £70,000 to £120,000 | A flat or town-centre terrace, the most accessible way into the town, popular with first-time buyers and investors. |
| Around £120,000 to £230,000 | A terrace, a semi or a family home on the edges or the newer estates, the heart of the Kirriemuir market. |
| £230,000 and above | A detached, country or glen-side home in the greener areas or the surrounding villages, the top of the local market. |
- An affordable, characterful market town with a real community
- J.M. Barrie's birthplace and genuine literary heritage
- The gateway to Glen Clova and the Angus Glens on the doorstep
- A simple Scottish council-tax bill, no police, fire or community precept
- Red-sandstone character, the squares and Kirrie Hill
- No railway station in the town, the nearest are Dundee and Arbroath
- Nearest full 24-hour A&E is at Ninewells Hospital, Dundee (~20 miles)
- A car is important for most journeys, a quieter rural market town
- Scottish Water is a separate charge added to the same bill (~£652 at Band D)
- Some low-lying ground near the Gairie Burn needs a flood check
Kirriemuir is known locally for J.M. Barrie & Peter Pan, and J.M. Barrie's Birthplace. Kirriemuir is the birthplace of J.M. Barrie, creator of Peter Pan; his childhood home is preserved as Barrie's Birthplace by the National Trust for Scotland, and he fictionalised the town as "Thrums".
Practical detail for Kirriemuir: the DD8 postcode district, none in Kirriemuir (branch closed), nearest stations Dundee & Arbroath (via Forfar) and nearest A and E is Ninewells Hospital, Dundee, the area's full 24-hour A&E (~20 miles); no A&E in Kirriemuir.
Kirriemuir at a glance
| Upfront cost | Kirriemuir figure |
|---|---|
| Average price | £175,000 |
| Deposit at 10% | £17,500 |
| LBTT, first time buyer | £0 |
| LBTT, standard rate | £600 |
| Legal, survey and moving | £3,300 |
| Total cash needed | £20,800 |
| Monthly repayment illustration | £921 |
Figures are local averages used for illustration. Confirm your own numbers before acting on them.
Ask about Kirriemuir
Three details is all we need. You are told before anything is passed to a partner firm.
Your checklist
- Total cash of about £20,800, not just the deposit
- Your LBTT position confirmed on revenue.scot
- A first year running cost budget including £1,599 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 Kirriemuir
Broadband speeds can vary street by street in Kirriemuir, 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 Kirriemuir?
Do first time buyers pay LBTT in Kirriemuir?
What is the biggest hidden cost?
How do I check broadband speed at a property in Kirriemuir?
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