Annah is an AI mortgage guide that knows how buying works in Scotland. Ask about LBTT, Home Reports, closing dates or what you can afford, and get clear answers with real numbers.
Annah
Scotland mortgage guide
I'm a first-time buyer looking at a £260,000 flat in Edinburgh with a 10% deposit. What will I pay?
Here's a quick picture:
Based on 4.5% over 25 years. Next, check the Home Report valuation, since lenders lend against that rather than the price you offer.
Why Annah
Most mortgage tools are written for England. In Scotland the tax, the survey, the offer process and the schemes are all different, and Annah is built around them.
| England & Wales | Scotland | |
|---|---|---|
| Purchase tax | Stamp Duty Land Tax | LBTT, plus ADS on additional homes |
| Survey | Buyer arranges after an offer | Seller provides a Home Report up front |
| Making an offer | Negotiate on the asking price | Notes of interest, "offers over" and closing dates |
| Becoming binding | Exchange of contracts | Conclusion of missives |
| Government schemes | England-specific schemes such as Shared Ownership | Scotland's own LIFT shared-equity schemes |
What you get
Ask questions in plain English, then check the exact figures yourself.
From "what is a closing date?" to "can I afford a £300k house on two salaries?" — Annah explains the Scottish process step by step and shows its working.
ExploreRepayments, affordability, LBTT, LTV, overpayments, remortgaging and buy-to-let yield.
ExploreLIFT shared equity, first-time buyer LBTT relief and more, summarised in one place.
ExploreUpload a Home Report or mortgage document and ask Annah to pull out the key figures.
ExploreFrom Shetland to the Scottish Borders: local towns, the property market and what buying there involves.
ExploreHow it works
Sign up with email or Google in under a minute. Your conversations are saved so you can pick up where you left off.
Describe your situation: price, deposit, income, first home or next one. Annah tailors the answer to Scotland.
Take clear numbers and the right questions to your lender, broker or solicitor.
For mortgage brokers
Give your clients round-the-clock Scottish mortgage guidance under your own brand, and receive the enquiries it generates.
A white-label Annah with your name, logo, colours and disclaimers, at its own address.
Add the assistant to your own site with a single script tag. No developer time needed.
Visitors who want to talk to an adviser land in your leads dashboard, with CSV export and team access.
Add one line to your site
<script src="https://annahai.co.uk/loader-v1.js"
data-tenant="your-firm"></script>Pricing
Start with a free account. Brokers get a branded Annah for their own clients.
£0forever
Everything you need to understand buying or remortgaging in Scotland.
Coming soon
For buyers who want deeper help across a whole purchase or remortgage.
Customtailored to your firm
Annah under your brand, on your website, sending enquiries to your team.
Create a free account and ask Annah your first question. It takes less than a minute.