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2 bed flat for sale Kingsmills, Elgin, IV30

Offers over

£90,000

Added two days ago

Type: Flat
Bedrooms: 2
Bathrooms: 1
Tenure: Freehold

Council tax Band A £1,154 a year

Key features

Ground Floor FLat
Sought After Area
Spacious Living Room
Two Double Bedrooms
Private Rear Garden
Gas Central Heating
Double Glazed

About this property

Fantastic opportunity to purchase this two bedroom ground floor flat in residential area of Elgin.

Spacious Two-Bedroom Ground Floor Flat with Front and Rear Gardens

A spacious two-bedroom ground floor flat offering well-proportioned living space, two double bedrooms and the added benefit of private gardens to both the front and rear. The generous living room provides a welcoming place to relax, with a feature fireplace adding a focal point to the room. The kitchen is well equipped with an integrated oven and gas hob, offering a practical space for everyday cooking.

Floorplan

Council tax

Band A £1,154 a year

Per year

Band A

This home: £1,154
Band B

£1,346
Band C

£1,539
Band D

£1,731
Band E

£2,275
Band F

£2,813
Band G

£3,390
Band H

£4,241

This home is in band A, which costs £1,154 a year in Moray for 2026/27.

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. Check a home's band on the Scottish Assessors.

Property timeline

Listed

October 2026 £90,000

2 beds · 1 bath · this listing

Location

Kingsmills, Elgin, IV30

Open map Street View

Mortgage and LBTT

Property price £90,000

£45k £135k

Deposit10% £9,000

£0 £90k

Interest rate 4.5%

0.5% 15%

Repayment period 25 years

5 years 40 years

A £81,000 mortgage. Most lenders would want a household income of about £18,000 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.