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97 John Finnie Street, Kilmarnock, KA1 1BG
£299,995 Offers over
Bedrooms
Bathrooms
Reception
Welcome to The Neuk, Kilwinning. Presented to the market by Property Matters, this charming detached sandstone villa is a rare find, offering a blend of traditional character and modern living. Built in the 1910s for Kilwinnings vet, the property has been thoughtfully updated to suit 21st-century living while preserving its original period features. Set on a plot originally acquired from the Earl of Eglinton estate, this spacious and elegant home is ideal for those seeking both space and character.
The accommodation is spread across two levels, featuring three generously sized living areas. The formal lounge, positioned at the front, boasts a large bay window and an open fire, offering a welcoming atmosphere. The snug, located to the side, is a cosy retreat with a wood burner, perfect for relaxation. The third reception room, also front-facing, is currently used as a home office but could easily serve as a fourth bedroom. The ground floor also includes a convenient WC.
The contemporary kitchen, housed within a bright, glass-fronted extension, is clean-lined and fully equipped with a fridge, freezer, five-burner gas hob, double oven, and microwave. A small, practical laundry room is tucked away at the rear of the kitchen for added convenience.
Upstairs, the original staircase leads to the family bathroom, complete with a bath with overhead shower and glass shower screen. There are three spacious double bedrooms, all with built-in wardrobes. The primary bedroom features an en-suite with a large walk-in shower, adding an extra touch of luxury.
Externally, the property truly excels. To the front, a mature lawned garden offers excellent curb appeal. The rear garden, exceptionally large, is also laid to lawn, providing a peaceful outdoor space. This area includes a double garage and a byre, both accessible through secure double gates from the adjoining lane.
Location
The Neuk is located in Kilwinning, a picturesque town in North Ayrshire, nestled on the banks of the River Garnock. Nearby towns include Irvine to the south and the coastal towns of Saltcoats, Stevenston, and Ardrossan to the west. Kilwinning offers excellent public transport links, with a train station providing direct access to Ayr, Glasgow, and Edinburgh, as well as bus routes to surrounding areas. Road links are also strong, with the A78 dual carriageway bypassing the town, offering easy access to the A71, A77, and the M77 heading towards Glasgow. The town is served by multiple primary schools, and Kilwinning Academy provides secondary education. Additionally, Ayrshire Colleges Kilwinning campus is nearby, offering further education opportunities.
Room Dimensions (Approx & Taken from Widest Point):
Entrance Vestibule: 1.57m x 1.17m
Reception Hall: 5.23m x 1.24m
Lounge: 5.18m x 4.88m
Dining Room: 6.10m x 3.96m
Office/Bedroom 4: 4.24m x 3.99m
Kitchen: 4.53m x 6.48m
WC: 1.50m x 0.89m
Bedroom 1: 4.57m x 3.99m
Ensuite: 2.08m x 1.47m
Bedroom 2: 4.88m x 4.24m
Bedroom 3: 3.91m x 3.86m
Viewings: Strictly by appointment.
PARTICULARS:- Property Matters Ltd for themselves and for the sellers of this property whose agents they are, give notice that the particulars are produced in good faith, are set out as a general guide only and do not constitute any part of a contract and that no person in the employment of Property Matters Ltd has any authority to make or give any representation or warranty whatever in relation to this property. Intending purchasers must satisfy themselves, by inspection or otherwise, on all matters.
OFFERS:- Offers must be submitted in Scottish legal form to the sole selling agents. Formal note of interest should be registered prior to offering. A closing date will only be notified to parties who have registered interest through their solicitors. The seller reserves the right to accept any offer at any time
Map location is not available for this property.
Your property may be repossessed if you do not keep up repayments on your mortgage.
Monthly Payment: £ 8,216.87
Monthly Payment: £ 8,216.87
Monthly Payment: £ 8,216.87
Amortization For Monthly Payment: £8,216.87 over 30 years ( Based on 3.20% Interest )
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.
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