Selling guides
Clear, practical advice for Scottish sellers
Start with the situation you are in
Each guide covers the essentials for Scotland and North East England, including realistic timescales.
Guide to repossession in Scotland
Repossession in Scotland follows a different legal path to England and Wales. If you are struggling with mortgage payments, it is important to understand what happens next and what options may still be available to you.
We explain the pre-action requirements your lender must follow, how the court process works, the typical timescales involved and why taking action early can give you more control over what happens to your property.
Selling voluntarily may also allow you to avoid some of the uncertainty associated with repossession and potentially protect any equity you have built up in the property.
- Pre-action requirements explained
- Typical court timelines
- How a 7-day sale can stop proceedings
Cost of living and the Scottish property market
Higher mortgage costs, rising household expenses and tighter budgets have changed the way many people approach buying and selling property.
For sellers, this can mean longer waiting times, more cautious buyers and increased pressure to negotiate on price. We look at what these changes could mean for property owners in Scotland and North East England and why certainty can sometimes be more valuable than waiting for the highest.
We also consider the costs that can continue to build while a property remains on the market, including mortgage payments, insurance, council tax, maintenance and utilities.
- What is actually selling right now
- Carrying costs while you wait
- When certainty beats price
Selling an inherited or probate property
Inheriting a property can involve more than simply deciding whether to sell it. Executors may also have to deal with insurance, maintenance, council tax, clearance and other responsibilities while the estate is being settled.
In Scotland, the legal process is different from England and Wales. We explain the role of confirmation, what executors can and cannot do before it is granted, and some of the practical considerations involved when preparing an inherited property.
Where there are several beneficiaries, communication and agreement can also make the process more complicated. We can work alongside solicitors, executors and beneficiaries to help keep the property sale as straightforward as possible.
- Confirmation and executor duties
- Clearance and empty property risks
- Selling with multiple beneficiaries
Scottish LBTT explained
Land and Buildings Transaction Tax (LBTT) replaced stamp duty in Scotland. It is generally paid by the buyer rather than the seller, but it can still have an important effect on the amount a buyer is able or willing to offer for your property.
Understanding how LBTT works can help you have a more realistic view of the market and the costs your potential buyers may need to consider. This can be particularly important for buyers.
Additional charges can also apply in certain circumstances, such as when a buyer is purchasing an additional residential property. Understanding these costs can help you price your property realistically and attract serious buyers.
- Who pays LBTT and when
- Additional Dwelling Supplement
- Use the official Revenue Scotland calculator
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