Commercial Property Portfolio for Sale — Banff, UK

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Three Tenanted Shops • Town Centre Location

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No Mortgage Required • No Interest Payable • Payable Over 5 Years

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An excellent commercial investment opportunity in the heart of Banff, comprising three fully tenanted retail units, offered with flexible instalment terms over 5 years.

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This portfolio is ideal for investors seeking immediate rental income without the need for bank finance, mortgages, or interest payments.

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💷 Purchase Structure (Instalment Sale)

Total Portfolio Price: £120,000
Payment Terms: 60 months (5 years)
Monthly Instalments: £2,000
Mortgage Required: No
Interest Payable: No

Completely paid off in only 5 years!

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Simple, predictable payments with immediate income from tenants in place.

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🏬 The Portfolio

Three commercial shops located right in Banff town centre, serving local residents and passing footfall.

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All units are currently occupied:

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• Shop 1: £300 per month
• Shop 2: £275 per month
• Shop 3: £275 per month

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Current Total Rental Income

£300 + £275 + £275 = £850 per month

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📈 Cashflow Position

Monthly instalment: £2,000
Current rental income: £850

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Difference to top up:
£2,000 − £850 = £1,150 per month

Completely paid off in only 5 years!

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So, in practical terms:

👉 You control a fully tenanted commercial portfolio by topping up only £1,150 per month, while rents help fund the purchase.

 

And importantly:

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✅ Commercial rents typically increase over time
✅ New leases can improve rental returns
✅ Asset value and income potential can grow during the payment term

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Meaning your monthly contribution could reduce over time as rents increase.

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📍 Town Centre Location Advantage

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The shops sit right in the centre of Banff, benefiting from:

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• Regular local footfall
• Nearby parking and amenities
• Passing trade
• Established retail presence
• Servicing the surrounding rural communities

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Town centre retail locations remain important hubs for everyday services and independent businesses.

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🌊 About Banff & The Area

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Banff sits within Aberdeenshire on Scotland’s beautiful north-east coast, offering a blend of history, tourism, and modern amenities.

 

Nearby highlights include:

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• Coastal walks and beaches
• A historic harbour and marina
• Cafés, pubs, independent shops
• Golf courses and outdoor leisure activities
• Strong local community

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Local attractions include Duff House, one of Scotland’s finest Georgian country houses and a key visitor attraction.

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Banff benefits from proximity to larger employment and service centres including Aberdeen, approximately 1 hour away, providing:

 

• International airport access
• Major employment base (energy, maritime, education, healthcare)
• Universities and business hubs
• Shopping and entertainment

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The area also connects easily to surrounding coastal towns and inland communities, ensuring ongoing demand for retail and service businesses.

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Banff forms part of the wider economy of Scotland, with tourism and coastal living continuing to attract visitors and residents alike.

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✅ Why This Portfolio Makes Sense

✔ Immediate rental income
✔ Three units reduce vacancy risk
✔ No mortgage needed
✔ No interest payable
✔ Predictable payment plan
✔ Town centre location
✔ Potential rental growth
✔ Commercial assets often outperform residential yields
✔ Affordable entry price for multi-unit commercial ownership

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🏁 Ideal For

• Investors building a commercial portfolio
• Buyers seeking income-producing assets
• Investors wanting mortgage-free purchasing
• Buyers wanting instalment-based acquisition
• Portfolio builders seeking strong entry yields