Across the Pond and Into a New Home: Scotland’s Rising Appeal to US Buyers

When Alan Cumming recently wrote in The Scotsman about the rising number of US residents eyeing a move to Scotland, it struck a chord. Alan noted in the article, “Scotland has replaced London as the most popular region for potential US movers to enquire about, with Edinburgh the most popular area…”

This trend is part of a wider shift in mindset. For many Americans, Scotland isn’t just a holiday destination it’s a lifestyle choice, a connection to heritage, or even part of a long-term plan for retirement. With its striking landscapes, rich history, and vibrant culture, Scotland offers something compelling to those seeking a fresh start or a holiday home away from home.

So Why Scotland?

The reasons are as varied as the people making the move:

• A slower pace of life – From Highland villages like Strathpeffer to the historic towns of St Andrews and Melrose; Scotland appeals to those looking to escape the fast pace of American cities.
• Affordability – Property values in Scotland and across the UK can be surprisingly accessible compared to many US markets.
• Family heritage – With over 25 million Americans claiming Scottish roots, the connection is often deeply personal.
• Future planning – Some buyers are securing a base now as part of their retirement plans.

Buying with Confidence:

For US nationals, the idea of buying property abroad can feel complex and daunting. From navigating unfamiliar legal systems to understanding UK taxes and securing finance, there’s a lot to consider.

At Rettie Financial Services, we have years of experience, and many happy international customers whom we have helped buy property in Scotland and across the UK. Our expertise extends far beyond mortgages:

• Expert advice – Access to specialist international mortgage products, including lenders who understand overseas income and US tax structures from the employed to self-employed and LTD company directors.
• Guidance – We’ll guide you through making an offer in a competitive market, ensuring you understand the process and feel confident every step of the way.
• Legal support – We can recommend trusted Scottish solicitors who specialise in working with overseas buyers and know how to manage cross-border transactions smoothly.
• Market insight – With deep knowledge of the Scottish and UK property markets, we help you find opportunities that align with your goals.
• Property search - To complement our service, we also collaborate with property experts such as Leah Bryce Property Search, who specialises in helping overseas buyers find their dream home in Scotland. Together, we provide a seamless experience, from the first enquiry to collecting the keys.

Whether it’s reconnecting with roots, planning for the future, or simply embracing a new way of life, Scotland continues to capture the imagination of American buyers. But buying abroad doesn’t need to be overwhelming; with the right guidance, it can be exciting, rewarding, and surprisingly straightforward.

If you're curious about buying property in Scotland, we're here to help.

From tailored financial solutions to trusted legal and property partners, Rettie Financial Services offers everything you need to move forward with confidence.

Book a no obligation consultation with one of our Mortgage Advisors, or call us on 03301 759 977 today, and take the first step toward your Scottish home.