Girvan, a coastal town in Ayrshire, Scotland, has been named as Halifax's fastest-growing coastal town, with house prices rising by 41 per cent over the last year.
With the average Girvan house now worth over £130,000, existing investors in the town are the winners, the Halifax revealed.
Knowing which seaside town to target could be a major boon to homeowners looking to boost retirement income with buy-to-let investments.
The second and third highest-gaining towns identified by the survey, Arbroath and Ardrossan, were also in Scotland.
Perennial favourite Cornwall continued to attract holiday crowds and savvy investors as houses in the town of St Mawes picked up 26 per cent in value over the year.
But house prices in the south-west could prove a deterrent to middle-income homebuyers, Halifax warned, with Sandbanks in Dorset boasting an average house price of over £488,000.
Padstow in Cornwall, popular for caravanning and self-service holiday accommodation, was not far behind with average house prices over £330,000.
The National Housing Federation recently warned that existing communities could be "suffering" as buyers penetrate rural areas such as Devon and Cornwall for second homes or buy-to-let investments.
Find out more about how to compare UK property
© Adfero Ltd