Your mortgage isn't enough. Winning bids in Scotland routinely run £20,000–£55,000 above what your lender will give you. Nobody tells you that. We do.
Where are you looking? Start here.
Sold prices · Council tax · Competition · Bid data · Free
FreeAlways
3 minTo your number
No loginNo signup
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Buyer competition—
Recent sold prices
Quick offer check
How much cash will you actually need?
Enter the Home Report value and we'll show you the full cash picture in seconds — before closing date, not after.
Quick Offer Check
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Enter the Home Report value — everything else calculates instantly.
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From the Home Report document · not the asking price
Your breakdown will appear here.
Home Report value
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Typical winning bid
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Extra cash above your mortgage
must come from your savings
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LBTT (homebuyer tax)
due on completion day
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Total cash needed above deposit
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Have the Home Report? Upload it now.
We'll extract any urgent repairs and deduct them automatically. Category 3 items can add £5k–£15k to your cash requirement — and lenders may insist they're fixed before releasing funds.
Reading your report…
What your mortgage won't cover
Three costs that catch buyers out.
Scotland's closing date system was built for sellers. Here's what that means in practice.
01
The gap between your mortgage and the winning bid
Your lender releases up to the Home Report value — not a penny more. In competitive areas, winning bids run £30–55k above that. That gap must come from your savings, on top of your deposit.
02
LBTT — Scotland's homebuyer tax, due the day you get the keys
It doesn't go on your mortgage. On a £300k property it's £4,600 from your savings, due at completion. Most buyers know it exists but forget to subtract it from their bid budget.
03
Urgent repairs the Home Report flags
Category 3 items may need fixing before your lender releases funds. That bill comes from your savings. We read the report so you don't have to.
£—
Average cash needed above mortgage here
on top of deposit and LBTT
Your maximum bid
Here's exactly what you can afford to bid.
Unlike the Quick Offer Check above — which uses area averages — this uses your actual budget. The difference is your specific deposit, your exact mortgage, and your Home Report repairs. That's your real number.
01
Your total buying power
You enter
£
Cash going in upfront
£
Your lender's maximum
Deposit—
Mortgage—
Total buying power—
02
Home Report value
LBTT auto-calculated
£
From the Home Report — not the asking price
LBTT—
Solicitor fees (est.)~£1,800
Budget after tax & fees—
03
How much above the Home Report?
Your estimate
Your mortgage only covers the Home Report value. Every pound you bid above it must come from your savings, on top of your deposit.
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Not right for your property?
How much above Home Report are you thinking?+5%
Enter your Home Report value in Step 2 to see the cash gap
+3% cautious+5%+8%+12% competitive
No local bid data yet for this postcode — set your own estimate above
Your assumed bid—
Cash needed above mortgage£0
04
Home Report repairs
AI reads your PDF
Category 3 repairs may need fixing before your lender releases funds. That cost comes directly from your savings.
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Upload your Home Report PDF
Optional · AI extracts repairs instantly · Never stored
Total repair deduction—
⚠️ Flat roof flagged in Home Report. Some mainstream lenders restrict mortgage lending on flat roof properties. Confirm with your broker before closing date — a lender refusal at that stage forfeits your bid.
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Factoring & ongoing charges
FLATS ONLY
For flats, factoring charges cover shared roof, stair, and communal area maintenance. These appear in the Property Questionnaire — not the survey. Easy to miss. Expensive to overlook.
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Check the Property Questionnaire section of the Home Report · Example: £437–£703/quarter is typical for a managed Glasgow block
Lock in your number. We'll follow up after closing date.
What are you actually planning to bid?
Tell us your intended bid and leave your email. After closing date, we'll ask what happened. Your outcome — win or lose — goes into the dataset so the next buyer gets a real average, not a guess. Your email is never shared and never used for anything else.
£
We'll email you once, after closing date. No newsletters. No upsell. Just one question: did you win?
Saved. We'll be in touch after closing date.
One email. One question. Your answer helps the next buyer in your area bid with real data instead of a guess.
Already know your result? Share it now.
Someone else's bid got you this far. Return the favour.
👥
The figures you just used came from buyers who submitted their bids after closing date. Every one of them was in exactly your position. They shared. Now someone else is searching where you just were.
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Won't sharing bids push prices up?
No. We never publish individual bids — only aggregated averages. Estate agents already know what properties sell for. This levels the information for buyers, not sellers.
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Who sees what I submit?
Nobody sees your individual bid. Ever. It dissolves into an average — the same number you just used. Four inputs, 60 seconds, completely anonymous.
Maybe after closing date
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£
£
🏆 I won
I didn't get it
Thank you. The next buyer will use your data.
Your bid is now part of the average for your area. Nobody can see your individual submission — only the aggregate.
What you get
Enter a postcode. Here's what comes back.
Free. No login. Takes about three minutes.
1
What properties actually sell for in that area
Average sold prices for flats and houses, recent sales, and how busy the market is. From Registers of Scotland — the official public record.
2
A Quick Offer Check — before you go any further
Enter the Home Report value. We instantly show you the typical winning bid, how much extra cash you'd need above your mortgage, and the tax due on completion. One number becomes five.
3
Your maximum bid — based on your actual budget
Add your deposit, mortgage offer, and Home Report value. We calculate exactly what you can afford to bid — after tax, legal fees, and any repair costs flagged in the Home Report.
4
Your number, saved — with a closing date reminder
Tell us what you're planning to bid and leave your email. We'll follow up after closing date with one question. Your answer helps the next buyer in your area see real data instead of a guess.