Hi, what length of kilt is it? (5yard, 8yard?). I'm pretty sure that, for the heavier 8 yard, military-style kilt, the waistband is higher rather than lower. A suggestion would be to wear no belt but a short highland waistcoat. (I have a kilt that's almost short enough for the waistband to be at trouser level, plus a high-waisted military-style one. I prefer the latter.