1/20

3 bed flat for sale John Finnie Street, Kilmarnock, KA1

Offers over

£39,999

Added on 01/10/2026

Type: Flat
Bedrooms: 3
Bathrooms: 1
Tenure: Freehold

Highlights

From the agent's description

Period property
Period features
Kitchen/diner
Top floor
Listed building

About this property

Characterful B-Listed Apartment Offering Excellent Potential in the Heart of Kilmarnock

Occupying a prominent position within one of Kilmarnock's most recognised and historic streets, this substantial B-listed top floor apartment offers excellent potential for a purchaser seeking a spacious home with character and scope to add value. Boasting generously proportioned accommodation throughout, the property welcomes you via a reception hallway leading to a bright and spacious lounge, three well-proportioned double bedrooms, a generous dining kitchen and a three-piece family bathroom.

Floorplan

Council tax

Ask agent

Per year

Band A

£1,145
Band B

£1,336
Band C

£1,526
Band D

£1,717
Band E

£2,256
Band F

£2,791
Band G

£3,363
Band H

£4,207

The agent hasn't said which band this home is in; you can look it up on the Scottish Assessors. In East Ayrshire, 2026/27 bills run from £1,145 a year in band A to £4,207 in band H.

Figures from the Scottish Government (Open Government Licence v3), before the water and sewerage charges billed with council tax. Discounts lower the bill, such as 25% off for an adult living alone.

Location

John Finnie Street, Kilmarnock, KA1

Open map Street View

Mortgage and LBTT

Property price £39,999

£20k £60k

Deposit10% £4,000

£0 £40k

Interest rate 4.5%

0.5% 15%

Repayment period 25 years

5 years 40 years

A £35,999 mortgage. Most lenders would want a household income of about £8,000 to support it.

A guide only, for a capital repayment mortgage. The rate you are offered and what you can borrow depend on your circumstances and a full application with a lender or broker. Your home may be repossessed if you do not keep up repayments on your mortgage.