Moving to Scotland from America
Moving to Scotland from America is an exciting endeavour, but it’s important to be aware of the unique process of buying a home in this beautiful country.
It is renowned for its breathtaking landscapes, encompassing the Highlands and stunning coastlines, along with cosmopolitan cities.
It’s also celebrated for its rich history and vibrant culture, including ancient sites and notable festivals like the Edinburgh Fringe.
Another appeal of moving to Scotland from America is Scotland’s work-life balance which is more relaxed compared to the US, offering generous vacation time and a focus on well-being.
The country provides a strong sense of community, excellent healthcare through the NHS, and top-tier education, with renowned universities like Edinburgh and Glasgow. Additionally, living in Scotland means being just a short flight to other European destinations.
The cost of living can be more affordable than in major US cities, especially in terms of housing.
With its welcoming communities, diverse food scene, and opportunities for adventure, Scotland is an attractive destination for those seeking a new life or buying a vacation home abroad.
If you are considering moving to Scotland from America, here is some helpful guidance to help you begin your journey.
What type of property can I buy in Scotland?
There is a diverse mix of property in Scotland. From terraced and detached homes, period properties, and converted churches and barns to apartments (known as ‘flats’ in Scotland). There are also new build homes, sprawling Highland estates, and even castles.
Scotland offers a vast range of property types, catering to various tastes, budgets, and lifestyle preferences.
What is a Scottish croft?
Unique to Scotland, crofts are small agricultural units, often found in the Highlands and Islands. These properties are typically associated with a smallholding or farm and are subject to specific legal regulations.
These are typically rented and the person who lives on the croft is called a crofter. If you buy a croft, you must live there, or find someone to rent it.
Can Americans buy property and land in Scotland?
Yes, US Citizens can buy property and land in Scotland.
There are no restrictions on foreign ownership of property in Scotland. So, Americans are free to purchase homes, land, or other types of property for personal use, as a rental investment, or as a second home.
If you are moving to Scotland from America, it is important to note that owning property in Scotland does not automatically grant residency rights. If you plan to live in Scotland, you may need to obtain the appropriate visa or residency permit.
Buying a property in Scotland as an American
Buying a property in Scotland is different to buying in the rest of the UK. So even if you are an American who has bought property elsewhere in Great Britain, you need to be aware that the buying process is different when moving to Scotland from America, compared with a move to England.
Here is a snapshot of the terminology and property buying steps:
What is a Scottish Home Report?
A Home Report is a legal document that provides information about a property in Scotland that is being sold. Typically, it is a requirement for most residential properties.
Property pricing
In Scotland, property sales are marketed in different ways, typically:
- Fixed Price: Properties listed at a Fixed Price usually accept the first offer made at that price.
- Sealed Bids: For properties with high interest, sellers may set a Closing Date for offers, where buyers submit Blind Bids.
- Offers Over: Properties are often marketed with a minimum offer price. This price can be lower than a Home Report value which includes valuation and various surveys. The final sale price depends heavily on market demand and competition.
Making an offer
Once you’re interested in a property, ask your property finder or solicitor to submit a Note of Interest to the seller’s solicitor. They will then submit a formal offer at an agreed Closing Date, if applicable. If your offer is accepted, the seller’s solicitor will confirm it in writing.
Although the Home Report gives an overview of the property’s condition, you may want to conduct additional surveys at this stage, which Garrington can advise on.
The legal process when buying Scottish property
If you are moving to Scotland from America you will need to familiarise yourself with Scotland’s legal process. After an offer is accepted, the solicitors exchange letters (known as Missives). These confirm the details of the offer and acceptance.
The solicitor will also confirm whether there are any Title Burdens (also known as Real Burdens) on the property. These are obligations attached to the Title Deeds of a property that impose certain conditions on the owner.
Once these details are agreed upon, the Missives are concluded, creating a binding contract. You won’t need to sign anything, but your solicitor will require your agreement.
Until Missives are concluded, either party can withdraw without penalty, but failure to fulfil the obligations later can result in liability for damages.
Date of Entry
The Date of Entry, equivalent to the completion date in England, is legally agreed upon in the conclusion of Missives. This is when funds are transferred to the seller, and you can collect the keys to your new property.
At Garrington Property Finders, we understand that buying a property in a country that is foreign to you can be challenging. That is why we are here to offer expert advice and guidance to those looking to move to Scotland.
Financial considerations
When buying a property in Scotland, apart from the usual legal fees (solicitors and surveyors, etc.), there are other financial considerations too:
- Tax implications: You will be subject to Scottish taxes, such as Land and Buildings Transaction Tax (LBTT). You may also need to consider US tax obligations on foreign property ownership.
- Rental income: If you plan to rent out your property, you’ll need to comply with local regulations for landlords and report any rental income to both UK and US tax authorities.
Where are some great places to buy in Scotland?
Scotland is renowned for its diverse landscapes. From the rugged Highlands and serene lochs to beautiful coastlines and remote, historic castles. For those moving to Scotland from America who prefer a city location, here are some of Scotland’s best cities to factor in your search:
Glasgow
Living in Glasgow offers a dynamic lifestyle with its rich blend of history, culture, and modernity. Known as Scotland’s cultural capital, Glasgow is renowned for its vibrant arts scene, featuring prestigious museums like the Kelvingrove and the Gallery of Modern Art.
The city’s architectural heritage is diverse, spanning from Victorian structures to modern developments.
Glasgow’s West End is particularly noted for its bohemian atmosphere. It is packed with trendy cafes, tea rooms, bars, boutiques, and the picturesque Botanic Gardens. The area also boasts the University of Glasgow, one of the UK’s oldest and most prestigious institutions.
For shopping enthusiasts, Glasgow is a paradise with its Style Mile in the city centre, offering everything from high-street brands to designer boutiques.
The city is also known for its culinary diversity, with an array of dining options that cater to all tastes.
Transportation in Glasgow is efficient, featuring an extensive network of buses, trains, and a subway system, making it easy to navigate. The city is also cyclist-friendly, with numerous bike lanes and paths.
Living in Glasgow not only provides access to a wealth of cultural and social activities but also to stunning natural landscapes just outside the city, including Loch Lomond and The Trossachs National Park, offering opportunities for outdoor activities like hiking and boating.
The city’s friendly vibe and rich cultural tapestry make it an attractive place to live.
Edinburgh
Edinburgh, the capital of Scotland, offers diverse neighbourhoods, each with unique appeal, as well as lots of open green spaces. Areas like Trinity combine coastal proximity with a choice of property types, making it a desirable area for city living.
While Stockbridge has a village feel, local markets, and proximity to the breathtaking Royal Botanic Gardens.
Properties range from spacious Victorian and large homes in leafy suburbs to modern apartments and those with waterfront views.
And if you want to escape from it all, there are plenty of places where you can get away from the hustle of the city, such as Holyrood Park and the Water of Leith.
Edinburgh is home to a remarkable selection of award-winning restaurants, cafes, and bars, making dining out a true culinary delight. The city offers a wide range of options to suit all tastes and budgets. These include traditional Scottish, vegan and vegetarian food, and international cuisine.
The city also offers plenty of excellent shopping facilities, whether you are looking for high-end, luxury brands, recognisable high street names, or independent boutiques.
Stirling
Stirling, referred to as the ‘Gateway to the Highlands’ is ideal for those seeking a quieter, nature-connected city in Scotland.
Previously voted the happiest place to live in Scotland, its close-knit community fosters a strong sense of belonging, particularly for families, who benefit from top-notch schools and the surrounding nature.
Additionally, winters in Stirling are not as cold as the rest of Scotland, with less snowfall and more sunshine.
The city’s Old Town is full of medieval charm, featuring quaint streets lined with local shops and cafés. A visit to the Wallace Monument provides sweeping views of the surrounding landscape.
With easy access to the Scottish mountains, Loch Lomond and The Trossachs, there are plenty of opportunities for exploration. Family fun also awaits at Blair Drummond Safari Adventure, located just outside the City.
There are a variety of hiking and biking trails through nearby hills and lochs, offering fresh experiences with each visit.
The City is situated less than an hour from both Glasgow and Edinburgh with good transport links.
Stirling’s cultural events and festivals further enhance its appeal, making it a perfect destination for history lovers, outdoor adventurers, and those seeking a balanced way of life.
Inverness
Inverness, is set on the River Ness and Beauly Firth. Know as the ‘Capital of the Highlands’ it seamlessly blends stunning natural beauty with urban living.
Just a short distance from the famous Loch Ness, residents can easily access Scotland’s renowned landscapes. The city’s Victorian architecture, including the notable Inverness Castle, adds a historic charm to its vibrant atmosphere.
Inverness holds historical significance, most notably as the site of the Battle of Culloden.
It offers a wide variety of activities, from exploring the Culloden Battlefield to taking boat trips on Loch Ness and visiting the ruins of Urquhart Castle.
The city provides excellent transport links, making it an ideal base for exploring Scotland. Residents also enjoy a lively culinary and shopping scene, with the Eastgate Shopping Centre and Victorian Market offering a range of options.
The area is home to various property types, ranging from stone built and kit houses to shepherd huts and farms.
Whether choosing city living, rural tranquillity, or coastal views, Inverness and it’s surrounding area has it all. Popular areas incude Dores, Culloden, The Crown, Island Bank Road, and Balloch.
Aberdeen
Aberdeen features impressive Victorian homes, particularly in prestigious areas like Old Aberdeen in the north and Cults and Bieldside in the south west. This vibrant, cosmopolitan hub is renowned for its role in the oil and gas industry and is home to a diverse international community.
With its coastal setting, magnificent architecture, and rich cultural scene, Aberdeen offers a dynamic lifestyle, while the surrounding countryside provides some of Scotland’s most stunning rural landscapes.
Just like Edinburgh and Glasgow, you can enjoy superb shopping experiences as well as a mix of culinary delights.
Moving to Scotland from America
At Garrington Property Finders, we can assist US citizens moving to Scotland from America by offering tailored support throughout the relocation process. Using our extensive local knowledge and access to off-market properties, we will help find you a home that meets your specific needs.
If you would like to discuss moving to Scotland from America in further detail, please contact us today to discuss your plans without obligation.
