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2 bed flat for sale Garden Street, Ayr, KA8

Offers Over

£69,000

Added on 13/10/2026

Type: Flat
Bedrooms: 2
Bathrooms: 1
Tenure: Ask agent

About this property

12a Garden Street

is an impressive example of a spacious ground floor apartment close to all the amenities offered by Ayr town centre and presented to the market in good condition.

There is a modern bathroom suite, a large fitted kitchen and ample storage space throughout. This fantastic apartment has a secure front door entry with a well-maintained hallway and off road parking within the private courtyard at the rear.

Floorplan

Council tax

Ask agent

Per year

Band A

£1,130
Band B

£1,318
Band C

£1,507
Band D

£1,695
Band E

£2,227
Band F

£2,754
Band G

£3,319
Band H

£4,153

The agent hasn't said which band this home is in; you can look it up on the Scottish Assessors. In South Ayrshire, 2026/27 bills run from £1,130 a year in band A to £4,153 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.

Price guide

20 comparables · within 2.5 miles

Cheaper than 90% of the 2-bed flats for sale nearby right now.

This home, £69,000 Median £110,000 · £69,500 – £198,500

Compared with 20 2-bed flats for sale within 2.5 miles, on the market now or already under offer. The range is the middle 80% of their asking prices.

Location

Garden Street, Ayr, KA8

Open map Street View

Mortgage and LBTT

Property price £69,000

£35k £104k

Deposit10% £7,000

£0 £69k

Interest rate 4.5%

0.5% 15%

Repayment period 25 years

5 years 40 years

A £62,000 mortgage. Most lenders would want a household income of about £14,000 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.