3 bedroom terraced house, Prospect Terrace, Edinburgh
Edinburgh, EH3 6XY
Added 21 Jul 2026
£1,255,000
Guide price
Bedrooms
3
Bathrooms
1
Size
1,177 sqft
Type
terrace
Match
87%
- TenureFreehold
- Council taxBand C
- EPCD
- ChainChain-free
- ParkingGarage
- GardenNone
About this home
Key features
- Cast-iron radiators
- Fibre broadband
- Fitted kitchen
- Original fireplace
- Rear garden
- Wooden floors
- Garage parking
- None
- Chain free
- EPC rating D
The Full Picture
Everything you need upfront
Facts a buyer or tenant should have before making an offer — in line with the Government's homebuying reform roadmap.
Monthly ownership cost
Edit any line, add fees you know about, and see the total update live.
£7,850/ month
Mortgage
Est.90% LTV · 4.75% · 25 yrs£Council tax
KnownBand C£Buildings insurance
Est.Typical estimate£Maintenance & repairs
Est.~1% of value / yr£
Property facts
- Tenure
- Freehold
- Council tax
- Band C
- Year built
- 2020
- Heating
- Underfloor + Gas
- Parking
- Garage
- Garden
- None
- Chain
- Chain-free
Energy performance
- A
- B
- C
- DScore 68
- E
- F
- G
The higher the rating, the more energy efficient the property and the lower the fuel bills.
Floorplan & rooms
InteractiveTotal size
1,177 sqft
≈ 109 m²
Key highlights
Where it is
Location & Street View
Where it is
Location & Street View
Approximate location. Drag the Street View to look around; use the Pegman to walk down the road.
Neighbourhood
Area, schools & transport
Neighbourhood
Area, schools & transport
Nearby schools
Distance from this property · Ofsted-style ratings
Indicative catchments and ratings only — always confirm admissions with the local authority.
Transport nearby
Stations & stops- 0.8 mi
High Street
Overground
- 1.8 mi
Central
Overground
- 2.2 mi
Riverside Station
Tube
Commute highlights
Estimated travel times to major UK hubs
Edinburgh Waverley
1 mi away
Leeds
163 mi away
Manchester Piccadilly
175.8 mi away
Birmingham New Street
246.2 mi away
Bristol Temple Meads
312.8 mi away
Estimates based on straight-line distance. Actual times vary with traffic, changes and service.
Nearby amenities
- 🛒0.2 mi
Supermarket
Waitrose
- 🏋️0.5 mi
Gym
PureGym
- 🌳0.2 mi
Park
Riverside Gardens
- 🩺0.8 mi
GP surgery
The Health Practice
- 🍽️0.1 mi
Restaurants
Village square
- ☕0.5 mi
Café
The Roastery
Commute time
Estimate the journey from Edinburgh, EH3 6XY to your workplace or a place you visit often.
Broadband
Indicative Ofcom-style download speeds. Providers vary.
Mobile coverage
Voice & data indoor/outdoor by network.
- EEIndoor: GoodOutdoor: Good
- VodafoneIndoor: LimitedOutdoor: Good
- O2Indoor: GoodOutdoor: Good
- ThreeIndoor: GoodOutdoor: Good
Local market
Market insights
Local market
Market insights
Local market
How this home compares in Edinburgh, EH3 6XY.
Area average
£1,401,699
This home -10%
12m change
+2%
Sold prices
Avg £/sqft
£673
This home £1066
Buyer demand
Steady
Running the numbers
Costs & finance
Running the numbers
Costs & finance
Monthly cost breakdown
Freehold · estimated running costs (all editable).
Total monthly cost
£7,977 /mo
£95,726 per year — indicative estimate.
- Mortgage£6,439/mo10% deposit · 4.75% · 25 yr81%
- Council tax (Band C)£167/moIndicative England average2%
- Buildings insurance£125/mo~0.12% of value / yr2%
- Maintenance & repairs£1,046/mo~1.00% of value / yr13%
- Utilities (energy + water)£200/moOfgem typical dual-fuel3%
Mortgage calculator
EstimateRepayment mortgage — you pay off capital and interest.
Monthly repayment
£6,439
Loan £1,129,500 · Deposit £125,500 (10%)
£1,969/mo more than interest-only — but you'd own the home outright after 25 years.
- Total interest
- £802,343
- Total paid
- £1,931,843
Figures are indicative — your actual rate depends on lender, credit, and product. Speak to a broker before you commit.
Sign in to save this calculation and revisit it from your shortlist or compare list.
Stamp Duty
Eng & NI · Apr 2025SDLT payable on completion.
Estimated Stamp Duty
£69,250
Effective rate 5.52% on £1,255,000
Scotland (LBTT) and Wales (LTT) have different rates. Confirm with a solicitor before completion.
Mortgage affordability
Can you afford it?Enter your income and deposit — we'll size up the biggest home a lender is likely to fund.
Max you could offer
£373,500
Loan up to £247,500 + £126,000 deposit · capped by income (4.5× LTI)
This listing
£1,255,000
Short by £881,500 · needs income ~£250,889/yr
- Affordable monthly repayment
- £1,604 /mo
- Required repayment for this home
- £5,889 /mo
- Max loan on 4.5× income
- £247,500
- Deposit as % of listing
- 10.0%
Affordability summary
StretchYou'd need about £250,889/yr income or £881,500 more deposit.
Monthly all-in
£7,039 /mo
£5,889 mortgage + £1,150 running · 154% of gross pay
Upfront cash
£200,382
£126,000 deposit + £69,250 SDLT + £5,132 fees
Lender check
Too big
Need £1,129,000 · max on income £247,500
- Loan needed (£1,129,000) exceeds the 4.5× income cap of £247,500
- Monthly all-in (£7,039) breaches your 35% repayment cap of £1,604
- Upfront cash needed (£200,382) leaves little for reserves — plan for surveys, SDLT and fees
UK lenders typically cap borrowing at 4.5× total income and want repayments under ~35–40% of gross pay. Actual offers depend on credit, outgoings, and product — always get an Agreement in Principle.
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Investment potential
Would this stack up as a buy-to-let?
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Investment potential
Would this stack up as a buy-to-let?
Investment inputs
AssumptionsAt a glance
Gross yield
1.20%
Net yield
-3.02%
Monthly cashflow
£-3,157
ROI on cash
-8.5%
Sensitivity
Rent −10%
£-3,256/mo · -3.11%
Rent +10%
£-3,059/mo · -2.92%
Rate +1%
£-3,942/mo · -3.77%
Rate −1%
£-2,373/mo · -2.27%
Indicative only — mortgage products, tax treatment and Section 24 relief for higher-rate landlords depend on your personal circumstances. Speak to a broker and an accountant before buying.
Want a fuller model? Open the full calculator →
Due diligence
Checks, risks & material information
Due diligence
Checks, risks & material information
Check before you buy
Material information for this address — flooding, crime, connectivity, planning, ground conditions and legal notes. Indicative only; verify with your solicitor before exchange.
Flood risk
Crime (last 12 months)
49
/ 1k residents
Low▲ 8.8% vs previous year
Broadband
69 Mbps
Up to 34 Mbps upload10 providers available at this address.
Mobile coverage
| Network | Indoor voice | Indoor data | Outdoor voice | Outdoor data |
|---|---|---|---|---|
| EE | None | Good | Good | Good |
| O2 | Good | Good | Good | Good |
| Three | Good | Good | Limited | Good |
| Vodafone | Good | Limited | Good | Good |
Planning applications
1within 250 m in the last 12 months
- Approved
Replacement windows (conservation)
2026/8926/HH · 30 Jun 2026
Ground & environment
Building & legal
Sources (to be integrated): Environment Agency, police.uk, Ofcom, planning.data.gov.uk, GOV.UK EPC register, Coal Authority, UK Radon.
Material information
NTSELAT Parts A/B/C- Tenure
- freehold
- Council tax band
- C
- Price qualifier
- Guide price
Presented in line with National Trading Standards Estate & Letting Agency Team guidance.
Add value
Extension potential
Add value
Extension potential
Calculating extension options for this home…
Sold prices
Based on public sale records for Edinburgh, EH3 6XY and comparable homes nearby.
Property history
Jan 2023
Sold
£1,148,000
+80.2% vs previous
Mar 2015
Sold
£637,000
Sold nearby
Avg £1,173,000
89 Elm Gardens
Detached · 2 bed · 0.06 mi · Jan 2026
£969,000
100 Maple Close
Flat · 3 bed · 0.2 mi · Aug 2024
£1,022,000
142 Ash Mews
Flat · 2 bed · 0.43 mi · Jan 2026
£1,401,000
140 Rowan Road
Flat · 4 bed · 0.48 mi · Jun 2025
£993,000
126 Chestnut Street
Terraced · 3 bed · 0.49 mi · Aug 2025
£1,441,000
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Contains HM Land Registry data © Crown copyright and database right 2026. Licensed under the Open Government Licence v3.0.
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