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9 Cross View, Norham
£320,000 Offers over
Bedrooms
Bathrooms
CLOSING DATE: THURSDAY 22ND MAY 2025, 12.00PM
Edenbank is a stunning three bedroom stone built cottage situated on the edge of the popular town of Duns in the Scottish Borders.
PROPERTY DESCRIPTION
Edenbank is a stunning three bedroom stone built cottage situated on the edge of the popular town of Duns in the Scottish Borders. This characterful family home has recently been modernised and upgraded and now offers light and bright accommodation over two principal floors consisting of two public rooms, a dining kitchen, three bedrooms and a family shower room. The property has stunning rural views in all directions, garden grounds, ample off street parking and patio for alfresco dining off the kitchen.
There is planning permission for an extension above the utility room to add two en suites upstairs.
ACCOMMODATION COMPRISES
Ground Floor - Reception Hall, Family Sitting Room, TV Room, Bedroom 3, Large Kitchen / Dining Room, Family Shower Room, Utility Room.
First Floor - Master Bedroom, Bedroom 2.
Garden Grounds - Off Street Parking for 2 Cars, Patio, Garden Grounds.
DISTANCES
Berwick-upon-Tweed Train Station 16 miles, Dunbar 21 miles, Coldstream 11 miles, Kelso 17 miles Edinburgh Airport 53 miles, Haddington 23 miles. (distances are approximate).
AREA INSIGHTS
Edenbank is position on the edge of Duns, within walking distance of the town centre which provides a good range of local and national amenities including small independent shops, coffee shops, pubs, restaurants, a highly regarded garden centre and a supermarket. The local primary school and secondary school (Berwickshire High) are nearby, as well as a community swimming pool. Duns also hosts a range of attractions such as Manderston House, the Jim Clark Motor Museum, a challenging 18 hole golf course and walks round Duns Castle Estate.
There are a number of larger towns near Duns, the biggest being the historic market town of Berwick upon Tweed which is about 15 miles due east. Berwick houses many of the major supermarket chains, good local shopping, a number of historical attractions within its medieval walls, numerous restaurants and cafes and the Maltings arts centre. Berwick also has a main line train station which offers an hourly service to London.
Duns is perfectly located for exploring both local and wider areas.
The surrounding villages and hamlets of Cranshaws, Longformacus and Abbey St Bathans offer historic charm, wild woodland walks and breath-taking open views perfect for all sorts of outdoor activities. There are numerous dramatic castles, and historic houses to explore as well as the historic Border Abbey towns of Kelso, Melrose and Jedburgh.
Equally impressive is the nearby Berwickshire coastline with various beaches and harbour towns which all link up together via the Berwickshire Coastal path and Coldingham, Eyemouth. Coastal activities include birdwatching and scuba diving at St Abbs and a sheltered sandy beach at Coldingham. From Berwick there is easy access to the North Northumberland Coast and Northumberland National Park.
Country and sporting pursuits are widely available and there are several golf courses within a short drive including Eyemouth, Dunbar and Magdalene Fields in Berwick. There are also designated cycling routes throughout the area.
GENERAL REMARKS
Fixtures and Fittings
All integrated white goods, fitted carpets, curtain poles, blinds and light fittings form part of the sale.
Listing and Conservation
Edenbank is C Listed.
Services
Private water supply and drainage.
Mains electricity.
Fibre broad services are available.
Council Tax
Band C.
Energy Efficiency Rating
Band G (Rating 19)
Your property may be repossessed if you do not keep up repayments on your mortgage.
Monthly Payment: £1,383.89
Total Interest: £178,201.83
Overall Total: £498,201.83
Amortization For Monthly Payment: £1,383.89 over 30 years ( Based on 3.20% Interest )
| Year | Interest | Principal | Balance |
|---|---|---|---|
| 2025 | £10,145.79 | £6,460.94 | £313,539.06 |
| 2026 | £9,935.98 | £6,670.75 | £306,868.31 |
| 2027 | £9,719.35 | £6,887.37 | £299,980.93 |
| 2028 | £9,495.70 | £7,111.03 | £292,869.90 |
| 2029 | £9,264.78 | £7,341.95 | £285,527.95 |
| 2030 | £9,026.36 | £7,580.37 | £277,947.58 |
| 2031 | £8,780.20 | £7,826.53 | £270,121.05 |
| 2032 | £8,526.04 | £8,080.69 | £262,040.36 |
| 2033 | £8,263.63 | £8,343.10 | £253,697.27 |
| 2034 | £7,992.70 | £8,614.03 | £245,083.24 |
| 2035 | £7,712.97 | £8,893.75 | £236,189.49 |
| 2036 | £7,424.16 | £9,182.56 | £227,006.92 |
| 2037 | £7,125.97 | £9,480.75 | £217,526.17 |
| 2038 | £6,818.10 | £9,788.63 | £207,737.54 |
| 2039 | £6,500.23 | £10,106.50 | £197,631.04 |
| 2040 | £6,172.03 | £10,434.69 | £187,196.35 |
| 2041 | £5,833.18 | £10,773.54 | £176,422.80 |
| 2042 | £5,483.33 | £11,123.40 | £165,299.40 |
| 2043 | £5,122.11 | £11,484.62 | £153,814.79 |
| 2044 | £4,749.17 | £11,857.56 | £141,957.23 |
| 2045 | £4,364.11 | £12,242.62 | £129,714.61 |
| 2046 | £3,966.55 | £12,640.18 | £117,074.43 |
| 2047 | £3,556.08 | £13,050.65 | £104,023.78 |
| 2048 | £3,132.28 | £13,474.45 | £90,549.32 |
| 2049 | £2,694.71 | £13,912.01 | £76,637.31 |
| 2050 | £2,242.94 | £14,363.79 | £62,273.52 |
| 2051 | £1,776.50 | £14,830.23 | £47,443.29 |
| 2052 | £1,294.91 | £15,311.82 | £32,131.47 |
| 2053 | £797.68 | £15,809.05 | £16,322.42 |
| 2054 | £284.30 | £16,322.42 | £0.00 |
Using your investment as a 25.00% deposit and £ 5,833 in costs for purchasing and getting ready to let.
Stamp Duty is a tax paid on completion via your solicitor, the calculation includes the 3% surcharge for second homes.
Your home may be repossessed if you do not keep up repayments on your mortgage.
The refurbishment budget is set to 2.50% of the purchase price, but this will vary dependent on the suitability of the property for the rental market. Select a value that you feel is appropriate to the condition of the property.
This will vary between lenders, type of report and whether or not you are buying with a mortgage, for advice on which type of survey would be appropriate speak with an advisor from Preston Baker Financial Services.
Lenders will often charge a fees for the arrangement of a mortgage, for advice on what lenders may charge, speak with an advisor from Preston Baker Financial Services. Your home may be repossessed if you do not keep up repayments on your mortgage.
This is the sum of mortgage admin, land registry, search, bank transfer and any other fees incurred.
Purchase costs include assumed mortgage and survey costs which are estimated. For a quote contact a Preston Baker Financial Services mortgage advisor who can provide you with current and accurate information. The stamp duty calculation has applid the 3% stamp duty surcharge on the basis that this will be a second property.
The mortgage is assumed to be interest only. Your home may be repossessed if you do not keep up repayments on your mortgage.
This is the percentage of the rent that you will spend maintaining the property.
Ground Rent only applies to leasehold properties. This is an assumed ground rent, the confirmed figure can be found in the Property Information Questionnaire.
Service charge only applies to leasehold properties. The correct figure can found in the Property Information Questionnaire answered by the seller.
This is a standard, indicative figure only. Properties that have a service charge often have this included withing that charge. Please consult the Property Information Questionnaire for more information.
Final Equity Profit = Final Property Value - Mortgage Required - Investment
Cumulative Rental Profit = Annual rental profit x Time of Investment
This is the assumed rate of house price inflation.
This is the property value at the end of the investment based on an assumed rate of % house price inflation.
9 Cross View, Norham
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Wed May 07 2025
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Wed May 07 2025
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