The Bank House, 88 High Street, Coldstream, TD12 4AG

Bank House is a striking late Victorian residence designed in the French Renaissance style, occupying an elevated position with commanding views over the River Tweed. Purpose-built for the Bank of Scotland in the late 19th century, with plans dating from 1891, the building operated as a bank until 2017 before being thoughtfully incorporated into the adjoining house to create a substantial and characterful family home. Throughout, the property successfully blends its rich architectural heritage with modern comforts while retaining many original features that reflect its fascinating history.

The ground floor is particularly well suited to both family living and entertaining. To the rear, a spacious family kitchen enjoys a large window framing views of the south-facing garden and the river beyond. Traditional details, including wood panelling and ornate cornicing, are elegantly complemented by contemporary midnight-blue cabinetry and light quartz worktops. The kitchen flows seamlessly into the former banking hall, now an impressive family room featuring a full stone floor with underfloor heating, dual-aspect windows, a substantial wood-burning stove and the original bank vault, creating a unique focal point within the home.

A vestibule with original mosaic tiled flooring and stained-glass entrance doorway provides a fitting introduction to the property’s period character. Additional ground floor accommodation includes a welcoming entrance hall, a laundry room, a WC and a former bank manager’s office, currently utilised as a physiotherapy treatment room. Adjacent to the banking hall is a further room which offers potential for conversion to provide additional bathroom facilities, subject to the necessary consents.

The lower ground floor has previously operated as guest house accommodation and comprises three bedrooms and three shower rooms. In addition, there is a traditional cold room, currently utilised for storage but originally intended as a cold larder, together with a dedicated hot water tank serving two of the three shower rooms. This level would lend itself well to continued guest accommodation or conversion into a self-contained guest apartment, subject to the necessary consents.

On the first floor, five well-proportioned bedrooms are complemented by two bath/shower rooms, together with an elegant formal drawing room, perfectly positioned to take full advantage of the spectacular outlook across the River Tweed and towards the Cheviot Hills. Beautiful stained-glass cupolas allow natural light to stream into the upper landing, creating an attractive architectural feature.

A mezzanine-level bath/shower room, positioned on the stairwell, provides additional facilities for guests occupying the upper floor. The second floor, also previously utilised for guest accommodation, provides four further double bedrooms, one of which benefits from an en-suite shower room, together with a substantial storage room which also provides access to the roof, offering excellent flexibility for a variety of uses.

Overall, Bank House is a unique and substantial home that combines historic charm, generous proportions and an exceptional setting in the heart of Coldstream, enjoying breathtaking views and remarkable versatility for modern family living.

Accommodation Comprises

Ground Floor – Entrance Vestibule, Kitchen, Banking Hall/Family Room, Vault, Utility/Laundry Room, Treatment Room/Study, WC, Rear Vestibule and a Further Room Offering Potential for Conversion to a Shower Room or Bathroom.

First Floor – Five Double Bedrooms, Two Bathrooms, Drawing Room.

Second Floor – Four Double Bedrooms, One En-Suite Shower Room, Family Bathroom, Large Maintenance Store with Roof Access

Lower Ground Floor – Three Bedrooms (One En-Suite), Two Shower Rooms, Traditional Cold Room

Garden & Grounds – Large South-Facing Garden, Water Features, Mature Orchard with Apple, Pear and Plum Trees, Rhubarb Patch, Mature Trees and Shrubs, Patio, Large Lawn and Off-Street Parking for Five Cars.

Distances

Kelso 9.5 miles, Duns 10 miles, Berwick upon Tweed Train Station 16 miles, Edinburgh 49 miles, Melrose 27 miles (All distances are approximate).

General Remarks

What3words

Tenure

Freehold

Council Tax

Band H

Energy Efficiency Rating

Rated D (67)

Local Authority

Scottish Borders Council

Services

Mains electricity, water, drainage, gas central heating.

Fibre broadband services available.

Fixtures and Fittings

All fitted carpets, curtain poles, blinds, light fittings and integrated appliances form part of the sale.

Listing and Conservation

Bank House is Grade B Listed and lies within the conservation area of Coldstream.

Disclaimer

Important Notice
These particulars are for information only and do not constitute an offer or contract. No statement by Paton & Co or any joint agent (written or verbal) constitutes a representation or warranty. Neither the seller nor agents accept liability for any error, omission or misstatement, and such shall not entitle any party to rescind, claim compensation or bring action.
The property is sold as seen with all faults and subject to all rights, burdens, servitudes and wayleaves. Measurements, plans and photographs are approximate and for guidance only. Planning, building regulations and other consents, and all services, have not been verified or tested. Purchasers must satisfy themselves by inspection and professional advice. No liability is accepted for costs incurred if a property is sold or withdrawn.
Successful purchasers must complete AML and proof of funds checks (£25 + VAT per person). See