First-Time Buyer Guide: Buying Your First Home in Scotland (2026)

Expert advice from Masson Cairns, your local property specialists

Buying your first home is an exciting milestone. With the right preparation and expert guidance, navigating the Scottish property market becomes clear, confident and achievable.

This guide outlines the essential steps every first-time buyer in Scotland needs to understand in 2026.

Understanding the Scottish Property Market

In Scotland, properties are marketed with a Home Report containing a valuation, survey and energy certificate. Many homes are listed as Offers Over, and in popular locations closing dates remain common.

Understanding local demand, pricing trends and how the Home Report influences value will help you approach your purchase with confidence.

Getting Your Finances Ready

Before viewing homes, establish your full budget. This includes your deposit, solicitor fees, Land and Buildings Transaction Tax (LBTT) where applicable, and moving costs.

A mortgage Agreement in Principle strengthens your position and allows you to act quickly when the right property appears.

Choosing the Right Location

Location affects affordability, lifestyle and future resale value.

Thinking Long-Term: Future Value & Developments

Planned regeneration projects, transport improvements and housing developments can significantly influence both lifestyle and long-term value. Checking local council plans helps you make a strategic purchase.

Starting Your Property Search

Use property portals, our website, alerts and viewings to monitor the market. Well-priced homes often attract strong interest, so preparation and responsiveness are essential.

Appointing a Solicitor Early

In Scotland, all offers must be submitted by a solicitor. Appointing one early ensures you receive professional guidance on offer strategy, negotiations and the legal process.

Making an Offer on a Property

Your solicitor submits a formal written offer detailing the price, proposed entry date and conditions. In competitive markets, expert advice is invaluable.

Budgeting for Ongoing Homeownership Costs

Remember to plan for council tax, insurance, utilities, maintenance and repairs. For flats, factoring fees should also be included in your budget.

Conveyancing & Settlement in Scotland

After acceptance, your solicitor completes legal checks, concludes missives and deals with mortgage funds. Only once missives are concluded is the sale legally binding.

Move In & Enjoy Your New Home

On settlement day, funds are transferred and keys released — and your new chapter begins.

Why Choose Masson Cairns?

At Masson Cairns, we support first-time buyers through every stage of buying a home in Scotland — providing clarity, confidence and professional guidance from initial search to getting your keys.