A rare opportunity to acquire a tenanted UK property using an instalment sale, avoiding traditional mortgage finance altogether.

 

This 1-bedroom flat in Hawick is already producing income, with the purchase price spread over 120 months, no interest payable, and no penalty for early repayment.

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Purchase & Payment Structure
Price: £65,000
Term: 120 months (10 years)
Monthly instalment: £541
Mortgage required: No
Interest payable: None
Early repayment penalty: None

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Rental Income (Tenant in Situ)
Current rent: £460 per month
Immediate income from day one
Well suited to investors looking for income-supported ownership

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Example: What You’d Actually Pay
Monthly instalment: £541
Monthly rent received: £460
Monthly difference: £81

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£81 × 120 months = £9,720

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If the rent stayed exactly the same for the full term, the buyer would effectively acquire a £65,000 property for £9,720 out of pocket.

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In reality, rents would typically be reviewed over time, which could reduce this difference further. This example does not account for void periods or rent increases.

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Property Overview
1-bedroom flat

Ground 
Well-proportioned living accommodation
Practical layout suited to long-term rental demand
Popular residential street
Strong rental history

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Location: Hawick
Hawick is one of the main towns in the Scottish Borders, known for its affordability, steady rental demand, and access to countryside and amenities.

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Amenities & Lifestyle
Supermarkets, local shops, cafés and restaurants
Schools, healthcare facilities and leisure centre
Riverside walks along the River Teviot
Strong community with regular local events

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Transport & Connectivity
Well connected by road via the A7 and A68
Approximate travel times:
Galashiels: 25 minutes
Jedburgh: 25 minutes
Edinburgh: around 1 hour 15 minutes
Regular bus services to surrounding towns

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Local Economy & Growth
Hawick has a long-established base in textiles and manufacturing, supported by retail, services, and tourism.

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The proposed Center Parcs development in the Scottish Borders is expected to bring new jobs, increased visitor numbers, and additional demand for local accommodation, which could have a positive knock-on effect for the rental market.

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Why This Property Stands Out
UK property with no mortgage required
No interest over the full term
Tenant already in place
Low effective monthly ownership cost
Flexible exit with early repayment allowed
Suitable for buy-to-let investors, first-time investors, and portfolio builders

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