The Real Cost of Buying a First Home in Roslin
A first purchase at the £270,000 Roslin average needs about £32,800 in cash, made up of £27,000 deposit, £2,500 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 £270,000 Roslin average needs about £32,800 in cash, made up of £27,000 deposit, £2,500 LBTT with first time buyer relief, and roughly £3,300 in fees.
What a first Roslin purchase costs in cash
On the local average the deposit is £27,000, LBTT is £2,500 and fees are near £3,300. Total cash needed is about £32,800.
First time buyer relief raises the LBTT nil rate band to £175,000, saving you £600 against the standard charge of £3,100 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 Roslin.
Where local earnings cap the purchase price
The costs that start the day you move in
Band D council tax in Midlothian is £1,816 a year, which is £151 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 Roslin detail first buyers ask about
The schools families ask about here are Beeslack Community High School (Penicuik), Roslin Primary School, St David's Roman Catholic High School (Dalkeith), Bilston / Loanhead / Penicuik Primary Schools (nearby) and University of Edinburgh, Easter Bush campus (nearby). Ratings age between inspections, so read the latest report before you rely on one.
On getting about: Roslin to Edinburgh (by bus / road) takes about ~25 to 40 min.
By price, Roslin ranks 1 of the 9 Midlothian locations we cover, at £270,000 against a county average of £235,556. Band D council tax here is £1,816, against £1,816 across the county.
What your money buys in Roslin
Roslin is a historic, sought-after Midlothian village and life-sciences hub, ~7 miles S of Edinburgh.
The full local guide covers schools, transport and the market in detail: Roslin 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 £200,000 | A flat or smaller home, the most accessible way into the village, popular with first-time buyers, science-campus staff and investors. |
| Around £200,000 to £360,000 | A stone cottage, terrace, semi, family home or new-build around the village, the heart of the Roslin market. |
| £360,000 and above | A detached or larger character home around the village or towards the Glen, the top of the local market. |
- A historic, green, sought-after village near Edinburgh and a world-class science hub
- World-famous Rosslyn Chapel, the Roslin Institute (Dolly the Sheep) and Roslin Glen on the doorstep
- A mix of characterful stone homes and modern estates, with more greenery than the city
- A simple Scottish council-tax bill, no police, fire or community precept
- The Easter Bush science campus and the vet school a short hop for work
- No railway station in the village, the nearest Borders Railway stations are a short drive east
- A sought-after village, so prices can be firm for the area
- Older stone stock through the historic village needs a survey (a former-workings check can be standard)
- Scottish Water is a separate charge added to the same bill (~£652 at Band D)
- Nearest full 24-hour A&E is the Royal Infirmary of Edinburgh, genuinely close, but not in the village
Roslin is known locally for Rosslyn Chapel. The extraordinary 15th-century Sinclair church, begun in 1446, famous for its intricate stone carvings and its role in The Da Vinci Code, one of Scotland's most-visited attractions and the village's defining landmark.
Practical detail for Roslin: the EH25 postcode district, no station in the village; Eskbank & Newtongrange (Borders Railway) a short drive east, Edinburgh Waverley ~18 to 20 min and nearest A and E is Royal Infirmary of Edinburgh (Little France, ~7 miles), genuinely close; no A&E in the village.
Roslin at a glance
| Upfront cost | Roslin figure |
|---|---|
| Average price | £270,000 |
| Deposit at 10% | £27,000 |
| LBTT, first time buyer | £2,500 |
| LBTT, standard rate | £3,100 |
| Legal, survey and moving | £3,300 |
| Total cash needed | £32,800 |
| Monthly repayment illustration | £1,421 |
Figures are local averages used for illustration. Confirm your own numbers before acting on them.
Ask about Roslin
Three details is all we need. You are told before anything is passed to a partner firm.
Your checklist
- Total cash of about £32,800, not just the deposit
- Your LBTT position confirmed on revenue.scot
- A first year running cost budget including £1,816 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 Roslin
Broadband speeds can vary street by street in Roslin, 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 Roslin?
Do first time buyers pay LBTT in Roslin?
What is the biggest hidden cost?
How do I check broadband speed at a property in Roslin?
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