Mortgage Advice in Edinburgh: Property, Schools & Local Area Guide
Mortgage Advice in Edinburgh: Property, Schools & Local Area Guide
Whether you're buying your first home in Edinburgh, remortgaging, upsizing or simply researching the area — this guide covers what buyers and homeowners in Scotland's capital actually want to know.
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üí¨ WhatsApp Us Contact Us That's Family Finance is an FCA-regulated protection adviser. We do not arrange mortgages ourselves ‚Äî we introduce you to carefully selected, FCA-regulated mortgage advisers.Quick answers about Edinburgh
Click any question to expand the full detail and sources.
Is Edinburgh a good place to live?⌄
Yes — Scotland's capital pairs a World Heritage centre and strong schools with major professional employment and a settled, desirable property market.
Edinburgh's appeal rests on a rare combination: a UNESCO World Heritage Old Town and Georgian New Town, four universities, a world-famous festival economy, and deep professional employment in finance, government, law and technology. Established residential districts such as Stockbridge, Morningside, Marchmont, the Grange and Trinity are highly sought after, with low turnover in the best streets — a reliable indicator of long-term resident satisfaction. The result is the most expensive city in Scotland for property, where people tend to buy deliberately and stay.
Sources: edinburgh.gov.uk — City of Edinburgh Council | education.gov.scot — Education Scotland inspections
Is Edinburgh expensive?⌄
Yes — Edinburgh is the most expensive city in Scotland for property, well above the Scottish average.
The average Edinburgh property typically sits around the £295,000–£325,000 mark — comfortably the highest of any Scottish city and well above the Scottish average. Flats are the main entry point and are found across the city, while family houses in the strongest catchments command significant premiums: the Grange, New Town and Murrayfield are consistently among the most expensive areas, with average values that can run far higher than the city figure. Demand is supported by the city's professional employment base, university population and World Heritage setting. Always verify current values via Registers of Scotland data or independent valuation advice.
Sources: ros.gov.uk — Registers of Scotland | saa.gov.uk — Scottish Assessors band checker
What salary do you need to buy in Edinburgh?⌄
Roughly £55,000 for a typical flat up to £130,000+ for a family house in a strong catchment — based on 4.5x income multiples.
Most mortgage lenders apply affordability multiples of around 4–4.5x annual income, though some go higher for certain profiles. Using 4.5x as a guide: a one or two-bedroom flat at ~£250,000 may require a household income of approximately £55,000; a larger flat or terraced house at ~£400,000 requires roughly £89,000; and a family house in a sought-after catchment at ~£600,000 requires around £133,000. These are illustrative only — actual affordability depends on deposit size, existing commitments, credit profile and lender criteria. A whole-of-market mortgage adviser can confirm exactly what's achievable for your circumstances.
Sources: thatsfamilyfinance.co.uk/contact-us | ros.gov.uk
Are schools good in Edinburgh?⌄
Yes — strong state secondaries plus famous independents, but catchment hugely affects house prices.
At state secondary level, James Gillespie's High School, Boroughmuir High School, the Royal High School and Trinity Academy are among the most sought after, with Balerno High School serving the south-west. Edinburgh is also home to a cluster of famous independents — George Heriot's, Fettes College, the Edinburgh Academy, George Watson's College and Stewart's Melville / Mary Erskine (ESMS). Scottish schools are inspected by Education Scotland (not Ofsted), and pupils sit National 5 and Higher qualifications rather than GCSEs. The key practical point for buyers: catchment boundaries strongly affect prices, so where you buy directly influences your child's school priority. Always verify catchment and admissions directly with the City of Edinburgh Council.
Sources: education.gov.scot — Education Scotland | edinburgh.gov.uk/schools-learning
How well connected is Edinburgh?⌄
Very — ScotRail to Glasgow in ~50 mins, LNER to London in ~4.5 hours, trams, and a dense Lothian Buses network.
Edinburgh is one of the best-connected cities in the UK. ScotRail runs frequent direct trains to Glasgow in around 50 minutes from Edinburgh Waverley and Haymarket, while LNER reaches London King's Cross in roughly 4.5 hours. Edinburgh Trams link Edinburgh Airport through the city centre to Leith, Ocean Terminal and Newhaven (around 30 minutes airport to city centre). Lothian Buses provide a dense, well-used city network. For car drivers, the City Bypass and the M8, M9 and M90 connect to the wider central belt. Always test the journey at the time you'll normally travel before committing.
Sources: scotrail.co.uk — timetables | edinburghtrams.com — tram route
What should buyers know before offering on an Edinburgh property?⌄
Check school catchments, flood risk by postcode, LBTT (not stamp duty), the council tax band and the Scottish offers-over system.
Catchment boundaries strongly affect price, so confirm them directly with the City of Edinburgh Council before relying on proximity. Flood risk should always be checked by individual postcode — particularly near the Water of Leith — using SEPA's flood maps. In Scotland the purchase tax is Land and Buildings Transaction Tax (LBTT), not SDLT — use the Revenue Scotland LBTT calculator before budgeting. Council tax should be confirmed with the City of Edinburgh Council, remembering that Scottish Water charges appear on the same bill but sit on top of the council element. Finally, Scotland uses an offers-over system with a Home Report provided for each property — read it carefully before offering.
Sources: sepa.org.uk — flood maps | Revenue Scotland LBTT calculator | edinburgh.gov.uk/council-tax
Is Edinburgh right for you?
Edinburgh is Scotland's capital and most expensive city for property — a World Heritage centre with strong schools, deep professional employment, four universities and a settled residential character that keeps people in the city long-term, whether in the Georgian New Town, leafy Marchmont or waterfront Leith.
| Buyer Type | Rating | Why |
|---|---|---|
| First-Time Buyers | ‚òÖ‚òÖ‚òÖ‚òÜ‚òÜ | Prices are the highest in Scotland, but the city's large flat market offers genuine routes in, especially outside the prime catchments. |
| Professionals | ‚òÖ‚òÖ‚òÖ‚òÖ‚òÖ | A major employment hub in finance, government, law and tech, with fast rail to Glasgow and London and a walkable centre. |
| Families | ★★★★★ | Strong state and independent schools, parks and a settled community make Edinburgh a consistent family choice — catchment is key. |
| Upsizers | ‚òÖ‚òÖ‚òÖ‚òÖ‚òÜ | Good supply of larger Georgian and Victorian houses in the New Town, the Grange, Murrayfield and Trinity, though at a premium. |
| Downsizers | ‚òÖ‚òÖ‚òÖ‚òÖ‚òÖ | Excellent amenities, culture, healthcare and transport make the city a practical and appealing long-term base. |
Property prices & council tax in Edinburgh
Understanding the cost of living in Edinburgh goes beyond the purchase price — and in Scotland the tax and water arrangements differ from England.
| Property Type | Approximate Price Range | Notes |
|---|---|---|
| One & Two-Bed Flats | £180k–£320k | The main entry point for first-time buyers; tenement flats are found across the city, from Leith to Gorgie and Newington. |
| Larger Flats & Terraced Houses | £320k–£550k | Family-sized colony and terraced homes in areas such as Stockbridge, Bruntsfield, Portobello and Corstorphine. |
| Family Houses (Strong Catchments) | £550k–£900k | Victorian and Georgian houses in Morningside, the Grange, Trinity and Murrayfield, where catchment drives demand. |
| Prime New Town & Detached | £900k+ | Georgian townhouses and the most prestigious addresses across the New Town, the Grange and Murrayfield. |
What income might you need?
Based on standard mortgage affordability multiples of 4.5x household income. Illustrative only — individual affordability depends on deposit, commitments and lender criteria.
What makes Edinburgh so popular?
Three things consistently come up when buyers explain why they chose Edinburgh.
A Capital-City Economy
Edinburgh is a major UK financial centre and the seat of the Scottish Parliament, with deep employment in finance, government, law, tech and higher education. For professionals, few UK cities pair this opportunity with such a compact, walkable centre.
Strong Schools
Well-regarded state secondaries and a famous cluster of independents make education a primary reason families choose Edinburgh. Catchment matters enormously — and is reflected directly in house prices.
History & Culture
A UNESCO World Heritage Old and New Town, Edinburgh Castle, Arthur's Seat and the world's largest arts festival give the city a quality of life that is hard to match — and a genuine sense of place.
What often surprises buyers is how much the city packs into a small footprint. Hills, coastline, green space and a World Heritage centre are all within a short journey — something that matters a great deal over the long term.
Schools in Edinburgh
Schools are one of the biggest reasons families research Edinburgh, and in this city catchment can move a property's price more than almost any other single factor. The city has strong state secondaries and a famous cluster of independents, so education often sits right at the centre of the property search.
For homebuyers, the key question is not just whether a school has a strong reputation. It is whether the property, the catchment, the daily journey, wraparound care and long-term education route actually work for your family. That is why school research should sit alongside your search around Marchmont, Bruntsfield, Morningside, the Grange, Trinity and Cramond.
State secondary schools
| School | Type | Inspectorate | Buyer-focused summary |
|---|---|---|---|
| James Gillespie's High School | State secondary, ages 11–18 | Education Scotland | Based in Marchmont and one of the city's most sought-after state secondaries. Its catchment covers parts of Marchmont, Bruntsfield and the Grange, which is reflected directly in local property demand and prices. |
| Boroughmuir High School | State secondary, ages 11–18 | Education Scotland | A consistently popular school whose catchment is fed by Bruntsfield, Merchiston, Morningside and parts of the Grange. Placing requests are typically hard to secure once catchment pupils are placed, so catchment is the practical route in. |
| The Royal High School | State secondary, ages 11–18 | Education Scotland | One of Scotland's oldest schools, now serving the north-west of the city including Cramond and parts of Davidson's Mains. A strong draw for families looking around Cramond, Barnton and Trinity's western edge. |
| Trinity Academy | State secondary, ages 11–18 | Education Scotland | Serves the Trinity, Newhaven and northern coastal side of the city. Relevant for buyers researching Trinity, the waterfront and the regenerating Leith area. |
| Balerno High School | State secondary, ages 11–18 | Education Scotland | Serves the south-western edge of the city around Balerno, Currie and Juniper Green. Useful for families wanting a more suburban, semi-rural setting while staying within the city boundary. |
Independent schools
| School | Type | Inspectorate | Buyer-focused summary |
|---|---|---|---|
| George Heriot's School | Independent, co-educational | Education Scotland | A historic city-centre independent founded in the 17th century, close to the Old Town and Grassmarket. Fee-paying with no catchment, so families across the city consider it. |
| Fettes College | Independent, co-educational (day & boarding) | Education Scotland | A landmark boarding and day school in the north of the city near Comely Bank and Stockbridge. No catchment; often researched alongside property in the north-west. |
| The Edinburgh Academy | Independent, co-educational | Education Scotland | A long-established independent with a main site in Stockbridge / Inverleith, popular with families in the New Town and northern suburbs. Fee-paying, no catchment. |
| George Watson's College | Independent, co-educational | Education Scotland | One of the largest independents in the UK, based in Merchiston near Morningside and Bruntsfield. A significant draw for families in the south-central suburbs. No catchment. |
| Stewart's Melville / Mary Erskine (ESMS) | Independent, single-sex senior schools | Education Scotland | The Erskine Stewart's Melville schools sit in the Ravelston / Queensferry Road area near Murrayfield. Fee-paying and city-wide, frequently considered alongside the north-west and west. |
What the schools mean for homebuyers
State catchments and price
In Edinburgh, the catchments for popular state secondaries such as James Gillespie's, Boroughmuir and the Royal High are closely watched by buyers, and homes inside those boundaries frequently attract a premium. Because placing requests for over-subscribed schools are usually not granted once catchment children are placed, living inside the catchment is the practical route in.
For buyers, this means confirming the exact catchment for a specific address before offering — boundaries can run down the middle of a street. Always check directly with the City of Edinburgh Council rather than relying on a school name or a general area.
The independent option
Edinburgh has an unusually high proportion of independently educated pupils, with George Heriot's, Fettes, the Edinburgh Academy, George Watson's College and ESMS all long-established. Because these schools are fee-paying and have no catchment, families across the city consider them — which can ease, though not remove, the pressure on state catchments in some areas.
For buyers weighing independent education, the practical points are the daily journey, fees over time and how the school route fits your longer-term plans rather than catchment alone.
The Scottish system
Scotland's education system differs from England's. Schools are inspected by Education Scotland rather than Ofsted, so you will not find a single Ofsted-style grade. Pupils work towards National 4 and 5 qualifications and then Highers and Advanced Highers, which are the main route to Scottish universities.
For relocating families, it is worth reading recent Education Scotland inspection reports and the school's own information directly, and confirming admissions and catchment with the City of Edinburgh Council before committing to a property.
Popular parts of Edinburgh
Edinburgh covers a wide range of distinct neighbourhoods, and the feel changes significantly depending on whether you are in the Georgian New Town, the historic Old Town, leafy Marchmont, waterfront Leith, seaside Portobello or suburban Corstorphine.
| Area | Best For | Typical Buyer |
|---|---|---|
| New Town & Old Town | Georgian and historic World Heritage living, walkable centre | Professionals, downsizers and prime buyers |
| Stockbridge | Village feel, independent shops and the Water of Leith | Professionals, families and downsizers |
| Morningside & Bruntsfield | Strong catchments, period homes and amenities | Families and established buyers |
| Marchmont & the Grange | Tenement and villa living near the Meadows and top schools | Families, academics and professionals |
| Leith & The Shore | Waterfront regeneration, dining and the tram terminus | First-time buyers, professionals and investors |
| Portobello | Seaside living with a promenade and beach | Families and lifestyle-led buyers |
It suits professionals, downsizers and prime buyers who value culture, walkability and a landmark address over a garden or driveway. The trade-offs are price, listed-building constraints, parking and the bustle of a tourist-heavy centre — worth weighing carefully against the unique setting.
Appeals to: Professionals, downsizers and prime buyers.
It works well for professionals, families and downsizers who want character and amenities within walking distance of the centre, plus quick access to the Royal Botanic Garden. Demand is consistently strong, so well-presented homes can move quickly.
Appeals to: Professionals, families and downsizers.
The appeal is practical: period homes, good amenities, parks such as Bruntsfield Links and the Meadows nearby, and strong school options. Prices reflect that demand, and exact catchment lines matter, so confirm the boundary for a specific address.
Appeals to: Families and established buyers.
Both areas sit close to the universities and to top state and independent schools, which underpins long-term demand. The Grange in particular is consistently among Edinburgh's most expensive areas — buyers should expect premium pricing and compare individual streets carefully.
Appeals to: Families, academics and professionals.
It offers a wider range of price points than the prime south-central areas, making it popular with first-time buyers, professionals and investors. As with any regenerating area, the exact street matters — compare new-build developments against converted warehouses and traditional tenements before deciding.
Appeals to: First-time buyers, professionals and investors.
The mix of Victorian terraces, flats and newer homes suits a range of buyers. Check commute times and parking carefully, as the seaside appeal needs to work alongside the daily journey into the centre or beyond.
Appeals to: Families and lifestyle-led buyers.
Both areas appeal to families wanting space, gardens and good schools, including ESMS nearby. Murrayfield is consistently among Edinburgh's highest-value areas, so expect premium pricing for the best streets.
Appeals to: Families, upsizers and established buyers.
These areas suit buyers who want established residential streets with character. As ever in Edinburgh, the exact road and catchment shape both price and appeal, so compare carefully.
Appeals to: Established families, professionals and long-term buyers.
Homes here range from period properties to substantial detached family houses. The trade-off is distance from the centre, so test the commute and school run before assuming the quieter, coastal setting fits your routine.
Appeals to: Families and buyers wanting a coastal, semi-suburban feel.
Things people don't tell you about Edinburgh
Most property listings tell you about the bedrooms and the square footage. These are the things that come up in real conversations with people who know the city.
Healthcare & local services
For families and those planning long-term, knowing the specific local services nearby matters as much as the property itself. Edinburgh is served by NHS Lothian.
GP & primary care in Edinburgh
Edinburgh has a large number of NHS GP practices across the city, coordinated within NHS Lothian. Registration availability and practice boundaries change — always contact the surgery directly before completing a purchase.
| Service | Provider | Notes |
|---|---|---|
| GP practices | NHS Lothian | Numerous practices across the city; register with one covering your address. Check availability directly. |
| NHS dentistry | NHS Lothian / private | Both NHS and private provision exist; NHS availability varies — check current status before assuming registration. |
| Out of hours / urgent care | NHS 24 (dial 111) | For urgent but non-emergency care when your GP is closed. Emergencies: 999. |
| Pharmacies | Community pharmacies citywide | Widely available; the NHS Inform service can help locate your nearest pharmacy. |
Finding a dentist or GP
Edinburgh has both NHS and private dental provision. NHS availability changes — always contact practices directly and check NHS Inform for current status.
| Need | Where to check | Notes |
|---|---|---|
| Register with a GP | NHS Inform / practice directly | Practices serve defined areas — confirm the surgery covers your specific address. |
| Find an NHS dentist | NHS Inform | NHS registration availability varies across the city — contact practices directly. |
| Urgent dental | NHS 24 (111) | For urgent dental problems outside normal hours. |
Nearest hospitals
Map, Police & Fire Services in Edinburgh
A useful local guide should show the practical services buyers actually check before choosing an area — and in Scotland, policing and fire are organised nationally rather than through local precepts.
Flood risk in Edinburgh
Flood risk is easy to overlook when a property looks right online, but it can affect insurance premiums, mortgage lender underwriting and long-term peace of mind. In Edinburgh, the picture varies significantly depending on exactly where you're buying.
Famous connections & local history
Edinburgh's history runs through almost every street — from the medieval Old Town to the Georgian New Town, the Scottish Enlightenment and the modern Scottish Parliament.
Sports, leisure & culture
For families and active buyers, Edinburgh's leisure and culture offer is a real part of the quality-of-life calculation. The parks, clubs, attractions and venues here are the ones residents actually use week after week.
Edinburgh combines national sporting venues, extensive green space, a world-class cultural scene and a genuine coastline within the city. For buyers moving from elsewhere, this lifestyle element can be just as important as the commute.
For families and sports fans, proximity to major venues can be a genuine lifestyle benefit — though it is worth checking how event days affect parking and traffic on nearby streets.
For many residents, the city's football culture is part of its identity, creating weekend routines and community links across Gorgie, Leith and beyond.
If outdoor sport is part of family life, it is worth checking journey times to clubs and courses as carefully as you check the school run.
For buyers, this scale of accessible green space is a major part of Edinburgh's appeal and supports its popularity with families, dog walkers and downsizers alike.
This is a key differentiator for Edinburgh. The walkway links Balerno, the centre and Leith, putting woodland and riverside walks within everyday reach.
For relocation buyers, a city beach helps answer the practical question: "What will we actually do here at weekends?"
Edinburgh International Festival & Fringe — the world's largest arts festival each August.
National galleries & museums — the National Museum of Scotland and the Scottish National Gallery are free to enter.
Edinburgh Hogmanay — one of the world's best-known New Year celebrations.
Always check current event dates and venue information directly before planning around them.
Edinburgh Zoo — in Corstorphine, one of the UK's best-known zoos.
Royal Botanic Garden Edinburgh — free to enter, near Stockbridge.
Dynamic Earth — a science attraction beside Holyrood Park.
For families moving to the city, these create weekend routines and easy days out close to home.
For professionals away during the week, having a proper local high street at weekends is a real part of the appeal — and a reason these areas hold their value.
Buying a home in Edinburgh
Edinburgh consistently attracts buyers who have made a deliberate decision about where they want to live — drawn by the schools, the professional opportunities, the culture or a combination of all three.
For some buyers the calculation is primarily practical — catchment, commute, property size. For others it's about lifestyle — wanting a genuine capital-city feel with history and culture on the doorstep. Edinburgh delivers on both, but the Scottish buying process differs from England: properties come with a Home Report, and sought-after homes are often marketed as "offers over". Lining up your mortgage and advice early matters more here than in many markets.
Who tends to move to Edinburgh?
Transport & commuting
Edinburgh's transport connections are among the best in the UK, combining rail, trams and a dense bus network with good road links across the central belt.
| Route | Approx. Time | Notes |
|---|---|---|
| Edinburgh ‚Üí Glasgow | ~50 min | ScotRail, frequent direct trains from Waverley and Haymarket |
| Edinburgh ‚Üí London King's Cross | ~4.5 hours | LNER direct services on the East Coast Main Line |
| Edinburgh Airport → City Centre | ~30 min | Edinburgh Trams (airport–city centre–Newhaven) |
| Within the city | varies | Lothian Buses dense network plus the tram line to Leith and Newhaven |
Two main stations serve the city: Edinburgh Waverley in the centre and Haymarket to the west. The Edinburgh Trams line runs from the airport through the West End and city centre to Leith and Newhaven. Road links via the City Bypass and the M8, M9 and M90 connect to Glasgow, Stirling, Fife and the wider central belt.
Things to think about before buying
The property itself is only one part of the decision.
Already live in Edinburgh?
Not everyone searching for mortgage advice here is planning to move. Many visitors are existing homeowners reviewing their arrangements.
Looking beyond the mortgage
Buying a home is one of the largest financial commitments most people will ever make.
Many households spend weeks comparing properties and mortgage rates, yet very little time considering what would happen if circumstances changed unexpectedly — illness, redundancy or worse. Life insurance, critical illness cover and income protection exist precisely for this reason. That's Family Finance is an FCA-regulated protection adviser, and we can talk you through the main options in plain English.
Living in Edinburgh
Beyond the commute and the schools — what is it actually like to live here day to day?
Safety & Crime
Edinburgh is policed by Police Scotland, the single national force, through its Edinburgh division and neighbourhood teams. There is no separate police precept on council tax. As in any major city, crime varies significantly by area, so check the picture for a specific postcode rather than relying on general reputation before making a location decision.
Community & Demographics
Edinburgh has a large professional and student population, with a high proportion of graduates and a notable share of privately educated pupils. Established residential areas skew towards professionals, families and long-term residents, contributing to a settled, stable character in the best streets.
Green Spaces
Holyrood Park and Arthur's Seat, the Meadows and Bruntsfield Links, the Royal Botanic Garden, the Water of Leith walkway and Portobello beach give Edinburgh an exceptional range of accessible green and blue space for a capital city.
Culture & Leisure
The Edinburgh International Festival and Fringe, Hogmanay, the National Museum of Scotland, the Scottish National Gallery and a strong independent food and drink scene give the city a cultural life few UK cities can match. Always check current event and venue information directly.
New Build Homes
Edinburgh has seen significant new residential development, particularly around Leith, the waterfront and the western edge of the city. For current planning applications and schemes, visit the City of Edinburgh Council planning portal.
Nearby areas worth considering
Many buyers researching Edinburgh also compare it with other Scottish locations before deciding.
Glasgow
Scotland's largest city — around 50 minutes by train, with a different character, a vibrant cultural scene and generally more accessible pricing.
Read guide ‚Üí [LINK WHEN LIVE]Stirling
A historic city between Edinburgh and Glasgow, with castle, university and good central-belt connections — popular with families and commuters.
Read guide ‚Üí [LINK WHEN LIVE]The Lothians
East, Mid and West Lothian offer commuter towns and villages within reach of the capital, often at more accessible price points.
Ask us about the area ‚ÜíFrequently asked questions
Is Edinburgh a good place to live?
Is Edinburgh safe?
Does Edinburgh have good schools?
How long does it take to get to Glasgow or London from Edinburgh?
What salary do you need to buy in Edinburgh?
What is the flood risk in Edinburgh?
How much is stamp duty on an Edinburgh property?
What is Edinburgh known for?
What green spaces are in Edinburgh?
What is the nearest hospital to Edinburgh city centre?
How much is council tax in Edinburgh?
Can existing homeowners benefit from reviewing their mortgage?
Useful resources
Need help?
Whether you're researching Edinburgh, planning a move, reviewing your finances or simply exploring your options — we're always happy to point people in the right direction.
That's Family Finance is an FCA-regulated protection adviser (life insurance, critical illness cover and income protection). We do not arrange mortgages ourselves — we introduce you to carefully selected, FCA-regulated mortgage advisers.
That's Family Finance is an FCA-regulated protection adviser (life insurance, critical illness cover and income protection). We do not arrange mortgages ourselves — we introduce you to carefully selected, FCA-regulated mortgage advisers.
Journey times are approximate — always verify at scotrail.co.uk, lner.co.uk and edinburghtrams.com. Scottish schools are inspected by Education Scotland, not Ofsted — verify the latest reports at education.gov.scot. Catchment areas and admissions criteria should be confirmed directly with each school and the City of Edinburgh Council. GP and dental registration availability changes — always verify directly via NHS Inform or the practice. Healthcare information is based on publicly available NHS Lothian data — always verify directly. Crime information is general in nature — Edinburgh is policed by Police Scotland with no separate police precept. Flood risk context is general — always check the exact property postcode at the SEPA flood maps. Salary and affordability figures are illustrative only and do not constitute financial advice. Council tax figures relate to the City of Edinburgh Council Band D for 2026/27 (council element £1,626; Scottish Water charges of around £652 are collected on the same bill but are additional) — verify at edinburgh.gov.uk and saa.gov.uk. Land and Buildings Transaction Tax (LBTT), not SDLT, applies in Scotland — verify using the Revenue Scotland calculator.
The information on this page is for educational purposes only and does not constitute financial advice. That's Family Finance is an independent, FCA-regulated firm (No. 1038034).