About This Property

Discover what makes this home special

The Kinloch is a charming mid-terrace family home located in the peaceful town of Kelty, Fife. Offering three well-proportioned bedrooms and two bathrooms, including an en-suite, this property is ideal for growing families or first-time buyers. The spacious living room flows seamlessly into the kitchen/dining area, which benefits from natural light and access to the rear garden. The rear garden faces south-east, providing pleasant morning sunlight and a tranquil outdoor space. Situated within a friendly community, The Kinloch offers a comfortable and practical living environment with easy access to local amenities and transport links.

Property Features

This property features three bedrooms upstairs, including a master bedroom with an en-suite shower room and built-in wardrobes. The main bathroom serves the other two bedrooms. Downstairs, the living room is spacious and bright, connecting to a modern kitchen/dining area with French doors opening to the rear garden. Additional benefits include two storage cupboards, a convenient cloakroom/WC on the ground floor, double glazing throughout, and efficient gas central heating, ensuring comfort year-round.

3 Bedrooms2 BathroomsEn-suiteKitchen/Dining AreaLiving RoomRear Garden+4

Local Amenities

Kelty offers a range of local amenities catering to daily needs and family life. The nearby Kinloch Primary School and Lochgelly High School provide quality education options. Residents have access to local shops and a supermarket within a short drive, while play parks and community centres support active lifestyles and social engagement. Public transport is available via frequent bus services connecting Kelty to Kirkcaldy and beyond, with the nearest train station in Kirkcaldy providing rail links to Edinburgh and Dundee.

Primary SchoolSecondary SchoolLocal ShopsSupermarketPlay ParkCommunity Centre+2
Kirkcaldy Train Station (6.5 miles, 15 mins drive) • 50 mins to Edinburgh

Estimate Calculator

Mortgage Calculator

25%
25
4.5%
Monthly Payment-
Purchase Costs
Total Price£269,995
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£269,995
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
60/100
ChallengingModerateGoodExcellent
Affordable entry price
Limited direct international transport links
Stable rental demand from local workforce

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£269,995
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
5.5%
Based on £1,237/mo rent
Area Price Growth
+3.3%
Average annual increase
5-Year Value Forecast
£317,891
+£47,896 projected gain
5-Year Rent Forecast
£1,420/mo
Based on 2.8% annual growth
Price per Sq Ft£300
Annual Rent Income£14,844
10-Year ROI220%
Break-Even Point21 yrs

Property Value Projection

Based on 3.3% annual growth
£317,891
5yr
£374,283
10yr
£440,678
15yr
£518,852
20yr
£610,894
25yr
Current: £269,995

Monthly Rental Income

Based on 2.8% annual growth
£1,420
5yr
£1,630
10yr
£1,872
15yr
£2,149
20yr
£2,467
25yr
Current: £1,237/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

Edinburgh Waverley
50 mins
45 mins
Dundee
40 mins
50 mins

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

Living Room
Morning Excellent
Afternoon Good
Evening Moderate
Kitchen/Dining Area
Morning Good
Afternoon Moderate
Evening Low
Bedrooms
Morning Moderate
Afternoon Good
Evening Low

Location Scores

45
Walk Score
Car-Dependent
40
Transit Score
Some Transit
50
Bike Score
Bikeable
View Location Details

Future Developments Nearby

Mixed-use+Positive Impact
Kelty Town Centre Regeneration
0.3 milesEst. 2025
* Information based on local planning applications and may be subject to change

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£269,995
AvailableNB0000041689
View Location Analytics

The Kinloch

Kelty, Kelty KY4 0DR
Pilgrim Manor
3
Bedrooms
2
Bathrooms
900
Est. Sq ft
mid terrace
Type

Developer

Bellway
Available Plot Numbers
8
1 plot(s) available
Ownershipfreehold

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£269,995The Kinloch

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The Kinloch
The KinlochKelty£269,995

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