Scottish Home Affordability & LBTT Planner

1. Monthly Income & Buyer Status

Buying with a partner / joint application?

Your Net Monthly Income

£

Partner's Net Monthly Income

£

First-Time Buyer Relief (LBTT)?

Display Outgoings Split

2. Property Valuation & Savings Fund

Home Report Valuation

£

Proposed Offer Price

£

Total Cash Savings Available

£

Solicitor / Legal Fees (inc. VAT)

£

Registers of Scotland Fees (RoS)

£

Mortgage Product Fee (Upfront)

£

3. Mortgage Rate & Term

Annual Interest Rate (%)

Mortgage Term (Years)

4. Monthly Running Costs & Maintenance

Council Tax Payment

£

Buildings & Contents Insurance

£

Utilities (Gas, Electric, Oil)

£

Factor / Common Property Fees

£

Upkeep Reserve (% Valuation / Yr)

Broadband & Connectivity

£

Affordability Dashboard

Monthly Mortgage

£0

Total Commitment

£0

Commitment-to-Income Ratio

0%

Comfortable

Upfront Cash Requirements

'Offers Over' Cash Premium £0
Scottish LBTT Tax £0
Solicitor & RoS Registration Fees £0
Total Upfront Non-Deposit Fees £0
Remaining Cash for Deposit £0

Mortgage & LTV Mechanics

Final Loan Capital Needed £0
Loan-To-Value (LTV) Ratio 0%
80% LTV Tier Target -