How far over the Home Report valuation can you afford?
Lenders usually lend on the valuation, not the price you pay. Enter the valuation, your cash and your loan-to-value to see the most you could offer.
Assumes the lender lends the chosen percentage of the valuation. Other buying costs should include legal fees, registration dues, mortgage fees and moving. Speak to a mortgage adviser to confirm.
How it's calculated
The mortgage is the loan-to-value percentage of the valuation. Your cash covers the rest of the price, LBTT at that price and your other costs. The calculator finds the highest price where that total equals your cash. Read more in offering over the Home Report valuation and how much to offer.
Frequently asked questions
Why does the valuation matter for my mortgage?
Most lenders lend a percentage of the lower of the price and the valuation, so any amount over the valuation usually comes from your cash.
What should I include in other buying costs?
Legal fees, registration dues, mortgage fees and moving costs. LBTT is calculated for you.
This guide is general information, not legal, tax or financial advice.
Sources
- Revenue Scotland: LBTT residential property
- Scottish Government: Scottish Budget 2026 to 2027
- mygov.scot: Home Reports
This guide is general information, not legal, tax or financial advice.