About This Property

Discover what makes this home special

This spacious four-bedroom detached house in Elgin offers a perfect blend of modern living and comfortable family space. With an open-plan kitchen, dining, and family area, the ground floor is designed for both entertaining and everyday living. The utility room and downstairs WC add convenience, while the separate lounge and study provide versatile living options. Upstairs, the property features four well-proportioned bedrooms, including a master with an en-suite, and a family bathroom, making it ideal for families or those needing extra space. The rear garden faces south-east, providing pleasant morning and early afternoon sunlight, perfect for outdoor enjoyment.

Located in the thriving town of Elgin, this property benefits from proximity to local amenities, schools, and transport links. The nearby Elgin Railway Station connects residents to Inverness and beyond, making it suitable for commuters. The ongoing Elgin town centre regeneration promises to enhance the area's appeal further, adding value and lifestyle benefits for homeowners.

Property Features

This property stands out with its spacious and flexible layout, including a large open-plan kitchen, dining, and family room ideal for modern living. The utility room and downstairs WC add practical convenience, while the separate lounge and study offer additional living and working spaces. Upstairs, the master bedroom benefits from an en-suite bathroom, complemented by three further bedrooms and a family bathroom. The south-east facing garden ensures good natural light in the mornings and early afternoons, enhancing outdoor living.

Four BedroomsEn-suite BathroomUtility RoomOpen-plan Kitchen/Dining/Family AreaSeparate LoungeStudy+4

Local Amenities

The property is well-served by local amenities including reputable schools such as Elgin High School and St Sylvester's Primary School, making it ideal for families. Elgin Railway Station provides rail connections to Inverness and Aberdeen, while local supermarkets like Tesco ensure convenient shopping. Recreational facilities including Elgin Leisure Centre and nearby parks offer ample opportunities for outdoor activities and community engagement. The ongoing town centre regeneration will further enhance shopping, dining, and leisure options in the near future.

Elgin High SchoolSt Sylvester's Primary SchoolElgin Railway StationTesco SuperstoreElgin Leisure CentreElgin Town Centre+1
Elgin Railway Station Train Station (1.5 miles, 6 mins drive) • 45 mins by train to Inverness

Estimate Calculator

Mortgage Calculator

25%
25
4.5%
Monthly Payment-
Purchase Costs
Total Price£379,995
Mortgage Deposit-
Stamp Duty-
Deposit Contribution£0
Searches & Other£1,500
Legal Fees£2,000
Total Cash Required-
Monthly Costs & Income
Estimated Service Charge£0/mo
Estimated Ground Rent£0/mo
Mortgage-
Landlord's Insurance£25/mo
Agency Fees-
Est. Rent-
Net Monthly-

Mortgage Calculator

10%
25
4.5%
Monthly Payment-
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Purchase Costs
Total Price£379,995
Mortgage Deposit-
Stamp Duty-
Deposit Contribution£0
Searches & Other£1,500
Legal Fees£1,500
Total Cash Required-
Monthly Costs
Estimated Service Charge£0/mo
Estimated Ground Rent£0/mo
Mortgage-
Home Insurance£30/mo
Total Monthly-

International Suitability

Moderate Opportunity
65/100
ChallengingModerateGoodExcellent
Stable local rental demand
Limited international transport links
Growing local economy with regeneration plans
Distance from major international airports

International Buyer Calculator

35%
20
5.5%
Monthly Payment-
Specialist international mortgagesSpeak to a broker experienced with non-UK resident buyers
Get Advice
International buyers typically require 25-40% deposit with limited lender options
Purchase Costs (Non-UK Resident)
Total Price£379,995
Mortgage Deposit (Min 25%)-
Stamp Duty + 2% Surcharge-
Legal Fees (Intl Complex)£3,500
AML & ID Verification£500
Bank Transfer Fees£1,000
Total Cash Required-
Monthly Costs & Income
Estimated Service Charge£0/mo
Estimated Ground Rent£0/mo
Mortgage-
Full Management (10%)-
Landlord's Insurance£35/mo
Est. Rent-
Net Monthly-
Key Considerations for International Buyers
+2% Stamp DutyAdditional surcharge for non-UK residents on property purchases
Higher DepositMost lenders require 25-40% deposit for non-UK residents
AML ComplianceEnhanced due diligence and source of funds verification required
Property ManagementFull management service recommended for overseas landlords

Investment Analytics

Key metrics for investors & buyers
Gross Rental Yield
7.8%
Based on £2,470/mo rent
Area Price Growth
+4.8%
Average annual increase
5-Year Value Forecast
£479,921
+£99,926 projected gain
5-Year Rent Forecast
£2,836/mo
Based on 2.8% annual growth
Price per Sq Ft£262
Annual Rent Income£29,640
10-Year ROI312%
Break-Even Point11 yrs

Property Value Projection

Based on 4.8% annual growth
£479,921
5yr
£606,124
10yr
£765,515
15yr
£966,820
20yr
£1,221,062
25yr
Current: £379,995

Monthly Rental Income

Based on 2.8% annual growth
£2,836
5yr
£3,256
10yr
£3,738
15yr
£4,291
20yr
£4,926
25yr
Current: £2,470/mo
* Projections are estimates based on historical market data and are not guaranteed. Past performance does not indicate future results.

Property Features

Local Area & Amenities

Floorplans

Ground Floor

Property Floorplan

Site Plan

Site Plan

Location

Commute Time Planner

Inverness
45 mins
40 mins
Aberdeen
2h 15m
1h 45m

Sun Path & Natural LightAI generated - Estimated

NESW
South-East-Facing Excellent
7h
Garden Sun (Summer)
Yes
Morning Sun
No
Afternoon Sun

Room-by-Room Light Analysis

Family/Dining
Morning Excellent
Afternoon Good
Evening Moderate
Lounge
Morning Moderate
Afternoon Good
Evening Low
Kitchen
Morning Good
Afternoon Moderate
Evening Low

Location Scores

68
Walk Score
Somewhat Walkable
55
Transit Score
Good Transit
60
Bike Score
Bikeable
View Location Details

Future Developments Nearby

Commercial and Residential+Positive Impact
Elgin Town Centre Regeneration
1 mileEst. 2025
* Information based on local planning applications and may be subject to change

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£379,995
AvailableNB0000042848
View Location Analytics

Balloch

Elgin, Elgin IV30 4FG
Findrassie
4
Bedrooms
2
Bathrooms
1,450
Est. Sq ft
house
Type

Developer

Barratt Homes
Available Plot Numbers
65
1 plot(s) available
Ownershipfreehold

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Balloch Elgin£379,995

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