Terraced

33 BANK STREET

MIRFIELD, KIRKLEES, WEST YORKSHIRE, WF14 9QF

£133,000

Location

Map view View on Google Maps View on OpenStreetMap Street View WF14 9QF

Nearby

Nearest stations, universities and amenities (distance from property).

Type	Name	Distance
Bus stop	Nab Lane Monkfield	0.1 miles
Shop	Mirfield Mowers	0.1 miles
Train station	Mirfield	1.0 miles
University	University of Huddersfield	3.8 miles
Hospital	Huddersfield Royal Infirmary	4.7 miles

Property details

Tenure

Freehold

Property type

Terraced

Bedrooms

Bathrooms

Floor area

62 m²

EPC rating

Year built

England and Wales: 1900-1929

Last sold

£133,000 Feb 2026

Price per m²

£2,145/m²

Local average

£187,148 (24 sales)

Street crime

142 incidents within 1 mile (May 2026)

EPC Rating & Upgrade Cost

Current rating: D

Potential rating: B

Inspection date: 23/01/2026

Expiry date: 22/01/2036

Current heating cost: £777/year

Potential heating cost: £508/year

Est. upgrade cost to C: £25,750

EPC D or below may face future regulation risk. Upgrading to C could improve long-term ROI.

Recommendations

50 mm internal or external wall insulation (£7,500 - £11,000)
Floor insulation (suspended floor) (£5,000 - £10,000)
Solar photovoltaic panels, 2.5 kWp (£8,000 - £10,000)

View full EPC on gov.uk

Price history

Event	Date	Price	Type	% change	Today’s value (HPI)	Action
Sold	20/02/2026	£133,000	Terraced	—	£134,227 to April 2026	View transaction

Historic listings

Listing and sale events only where we matched the listing page to a Land Registry sale already on record for this address.

Event	Date	Price
sold	01/01/2026	£133,000
listed	19/06/2025	£139,950

Photos · Open listing

Sold comparables

Same street and nearby sales within 0.25 miles (last 5 years). Land Registry Price Paid Data.

Address	Price	Date	Type
39 BANK STREET, MIRFIELD, KIRKLEES, WEST YORKSHIRE, WF14 9QF	£105,000	02/12/2025	Terraced
80 NAB LANE, MIRFIELD, KIRKLEES, WEST YORKSHIRE, WF14 9QH	£150,000	10/02/2025	Terraced
21 BANK STREET, MIRFIELD, KIRKLEES, WEST YORKSHIRE, WF14 9QF	£148,000	27/01/2025	Terraced
7 STOCKS BANK ROAD, MIRFIELD, KIRKLEES, WEST YORKSHIRE, WF14 9QB	£316,000	06/12/2024	Terraced
98 NAB LANE, MIRFIELD, KIRKLEES, WEST YORKSHIRE, WF14 9QH	£145,000	27/06/2023	Terraced
27 THE CLOUGH, MIRFIELD, KIRKLEES, WEST YORKSHIRE, WF14 9DN	£88,000	16/06/2023	Terraced
39 BANK STREET, MIRFIELD, KIRKLEES, WEST YORKSHIRE, WF14 9QF	£100,000	24/04/2023	Terraced
396 HUDDERSFIELD ROAD, MIRFIELD, KIRKLEES, WEST YORKSHIRE, WF14 9DL	£330,000	11/01/2023	Terraced
65 NAB LANE, MIRFIELD, KIRKLEES, WEST YORKSHIRE, WF14 9QH	£192,000	21/12/2022	Terraced
326 HUDDERSFIELD ROAD, MIRFIELD, KIRKLEES, WEST YORKSHIRE, WF14 9DQ	£70,000	20/12/2022	Terraced
104 STOCKS BANK ROAD, MIRFIELD, KIRKLEES, WEST YORKSHIRE, WF14 9QB	£131,500	28/11/2022	Terraced
8 BACK LANE, MIRFIELD, KIRKLEES, WEST YORKSHIRE, WF14 9QA	£260,000	28/10/2022	Terraced
19 WOODSOME AVENUE, MIRFIELD, KIRKLEES, WEST YORKSHIRE, WF14 9QX	£307,500	28/10/2022	Terraced
33 FRANCIS STREET, MIRFIELD, KIRKLEES, WEST YORKSHIRE, WF14 9BB	£145,000	21/10/2022	Terraced
5 THE CLOUGH, MIRFIELD, KIRKLEES, WEST YORKSHIRE, WF14 9DN	£110,000	14/10/2022	Terraced
144 NAB LANE, MIRFIELD, KIRKLEES, WEST YORKSHIRE, WF14 9QJ	£217,500	30/08/2022	Terraced
28 NAB LANE, MIRFIELD, KIRKLEES, WEST YORKSHIRE, WF14 9BQ	£195,000	26/08/2022	Terraced
7 THE CLOUGH, MIRFIELD, KIRKLEES, WEST YORKSHIRE, WF14 9DN	£150,000	24/06/2022	Terraced
6 WASPSNEST COURT, MIRFIELD, KIRKLEES, WEST YORKSHIRE, WF14 9FB	£235,000	24/06/2022	Terraced
33 FRANCIS STREET, MIRFIELD, KIRKLEES, WEST YORKSHIRE, WF14 9BB	£97,500	07/06/2022	Terraced

Area average: £174,650 (20 sales)

For sale comparables

No active for-sale comparables found within 1 mile for the same bedrooms and property type.

Capital growth trend

Land Registry outcode average: last 12 months vs 5y and 10y ago (from sold prices).

5y growth 16%

10y growth 54.8%

House Price Index (HM Land Registry — official index, not sold-price averages): Kirklees. Series: Terraced. As of April 2026.

1y (index) 4.1%

5y (index) 26.9%

10y (index) 57.6%

Rental Range

Estimated market rent for Kirklees. Low = conservative, Realistic = average, Optimistic = best case.

Low £698/mo

Realistic £775/mo

Optimistic £853/mo

Based on Local Authority from postcode lookup → Kirklees.

LHA (30th percentile) floor for Kirklees: Apr 2025 – Mar 2026

Rental Comparables

Residential lets from OpenRent and Rightmove for the area (same bedroom count). Use to validate rent estimates. Student lets are excluded.

Title	Rent	Beds	Distance	As seen on
2 Bed Flat, Water Royd Lane, WF14	£695/mo	2	0.55 miles	OpenRent

Average rent: £695/mo (1 listing)

Rent-driven metrics

Based on OpenRent comparables.

Rent ratio 0.52%

Max investor price (0.8%) £86,875

Target investor price (1%) £69,500

Gross yield 6.3%

Cost-to-rent ratio 15.9×

Monthly cashflow £77/mo 75% LTV, 3.95% APR (5yr fixed), 25yr term

Cash-on-cash ROI 2.4%

Rent ratio — Monthly rent ÷ purchase price (1% rule). 1%+ = strong, 0.8–1% = okay, <0.8% = weak for cashflow.
Max investor price — Rent ÷ 0.8%; the price at which rent would be 0.8% of price (Stoke-style target).
Target investor price — Rent ÷ 1%; the price at which rent would be 1% of price (strong cashflow band).
Gross yield — Annual rent as % of purchase price (no costs).
Cost-to-rent — Price ÷ annual rent (from OpenRent comparables). Under 14× = strong, 14–16× = acceptable, 17×+ = compressed.
Cashflow — Rent minus mortgage, 10% maintenance, £25/mo compliance. Assumes 75% LTV, 3.95% APR (5yr fixed), 25yr term.
ROI — Annual profit ÷ cash in (deposit + 4% purchase costs).

Flood risk

Zone: 1

Risk: Low

Not in Flood Risk Area (no data)

Street-level crime

Category	Count
Violence and sexual offences	51
Anti-social behaviour	30
Public order	13
Vehicle crime	9
Criminal damage and arson	8
Other theft	8
Burglary	6
Shoplifting	6
Other crime	4
Possession of weapons	4
Drugs	2
Theft from the person	1
Total incidents	142

Within 1 mile during May 2026. Source: data.police.uk (England & Wales).

Schools nearby

Nearest open schools with Ofsted ratings (England). Closed schools are not shown. Data from Get Information about Schools and Ofsted.

Name	Type	Distance	Ofsted
Battyeford CofE (VC) Primary School	Primary	0.1 miles	Good — 5 Oct 2017
The Mirfield Free Grammar	Secondary	0.5 miles	Good — 10 Mar 2020
Hopton Primary School	Primary	0.7 miles	Good — 20 Jul 2022
Old Bank Academy	Primary	0.7 miles	Good — 30 May 2024
Castle Hall Academy	Secondary	0.9 miles	Good — 28 Mar 2023

FENSA

Checking FENSA certificates for this address. Refresh in a few minutes.

# 33 BANK STREET, MIRFIELD, KIRKLEES, WEST YORKSHIRE, WF14 9QF

## Property details

- Slug: `a3da7ed` (address key hash: `a3da7ed2a8c5c9c89b614d60ac2b7ede44c3542f`)
- Postcode: WF14 9QF
- Transactions on record: 1

- Tenure: Freehold
- Property type: Terraced
- Bedrooms: 2
- Bathrooms: 1
- Floor area: 62 m²
- EPC rating: D
- Year built: England and Wales: 1900-1929
- Last sold: £133,000 Feb 2026
- Price per m²: £2,145/m²
- Local average: £187,148 (24 sales)
- Street crime: 142 incidents within 1 mile (May 2026)

## Latest sale

- Price: £133,000
- Date: 2026-02-20
- Type: T
- Tenure: F

## EPC Rating & Upgrade Cost

- **Current rating:** D
- **Potential rating:** B
- **Expiry date:** 22/01/2036
- **Current heating cost:** £777/year
- **Est. upgrade cost to C:** £25,750

### Recommendations
- Q (£7,500 - £11,000)
- W1 (£5,000 - £10,000)
- U (£8,000 - £10,000)

[View full EPC on gov.uk](https://find-energy-certificate.service.gov.uk/energy-certificate/1820-2390-0117-7005-0653)

## Price history

| Event | Date | Price | Type | % change | Today’s value (HPI) | Transaction |
|-------|------|-------|------|--------|---------------------|-------------|
| Sold | 2026-02-20 | £133,000 | Terraced | — | £134,227 (to April 2026) | [View](http://87.117.209.195:8080/house-prices/4e75c29d-ee40-8922-e063-4804a8c094d0) |

*Today’s value (HPI): adjusted using published house price index trends for the area and property type; not a valuation of the property today.*

## Sales History

*Recorded sales for this property. Data from Land Registry Price Paid.*

| Address | Price | Date | Type |
|---------|-------|------|------|
| 33 BANK STREET, MIRFIELD, KIRKLEES, WEST YORKSHIRE, WF14 9QF | £133,000 | 20/02/2026 | Terraced |

## Historic listings

Listing activity only where we matched the listing to a Land Registry sale already on record for this address.

- Matched listing: [163550591](http://87.117.209.195:8080/listings/bb3f08c)

| Event | Date | Price |
|-------|------|-------|
| sold | 2026-01-01 | £133,000 |
| listed | 2025-06-19 | £139,950 |

## Sold Comparables

*Same street and nearby sales within 0.25 miles. Data from Land Registry Price Paid. Last 5 years.*

| Address | Price | Date | Type |
|---------|-------|------|------|
| 39 BANK STREET, MIRFIELD, KIRKLEES, WEST YORKSHIRE, WF14 9QF | £105,000 | 02/12/2025 | Terraced |
| 80 NAB LANE, MIRFIELD, KIRKLEES, WEST YORKSHIRE, WF14 9QH | £150,000 | 10/02/2025 | Terraced |
| 21 BANK STREET, MIRFIELD, KIRKLEES, WEST YORKSHIRE, WF14 9QF | £148,000 | 27/01/2025 | Terraced |
| 7 STOCKS BANK ROAD, MIRFIELD, KIRKLEES, WEST YORKSHIRE, WF14 9QB | £316,000 | 06/12/2024 | Terraced |
| 98 NAB LANE, MIRFIELD, KIRKLEES, WEST YORKSHIRE, WF14 9QH | £145,000 | 27/06/2023 | Terraced |
| 27 THE CLOUGH, MIRFIELD, KIRKLEES, WEST YORKSHIRE, WF14 9DN | £88,000 | 16/06/2023 | Terraced |
| 39 BANK STREET, MIRFIELD, KIRKLEES, WEST YORKSHIRE, WF14 9QF | £100,000 | 24/04/2023 | Terraced |
| 396 HUDDERSFIELD ROAD, MIRFIELD, KIRKLEES, WEST YORKSHIRE, WF14 9DL | £330,000 | 11/01/2023 | Terraced |
| 65 NAB LANE, MIRFIELD, KIRKLEES, WEST YORKSHIRE, WF14 9QH | £192,000 | 21/12/2022 | Terraced |
| 326 HUDDERSFIELD ROAD, MIRFIELD, KIRKLEES, WEST YORKSHIRE, WF14 9DQ | £70,000 | 20/12/2022 | Terraced |
| 104 STOCKS BANK ROAD, MIRFIELD, KIRKLEES, WEST YORKSHIRE, WF14 9QB | £131,500 | 28/11/2022 | Terraced |
| 8 BACK LANE, MIRFIELD, KIRKLEES, WEST YORKSHIRE, WF14 9QA | £260,000 | 28/10/2022 | Terraced |
| 19 WOODSOME AVENUE, MIRFIELD, KIRKLEES, WEST YORKSHIRE, WF14 9QX | £307,500 | 28/10/2022 | Terraced |
| 33 FRANCIS STREET, MIRFIELD, KIRKLEES, WEST YORKSHIRE, WF14 9BB | £145,000 | 21/10/2022 | Terraced |
| 5 THE CLOUGH, MIRFIELD, KIRKLEES, WEST YORKSHIRE, WF14 9DN | £110,000 | 14/10/2022 | Terraced |
| 144 NAB LANE, MIRFIELD, KIRKLEES, WEST YORKSHIRE, WF14 9QJ | £217,500 | 30/08/2022 | Terraced |
| 28 NAB LANE, MIRFIELD, KIRKLEES, WEST YORKSHIRE, WF14 9BQ | £195,000 | 26/08/2022 | Terraced |
| 7 THE CLOUGH, MIRFIELD, KIRKLEES, WEST YORKSHIRE, WF14 9DN | £150,000 | 24/06/2022 | Terraced |
| 6 WASPSNEST COURT, MIRFIELD, KIRKLEES, WEST YORKSHIRE, WF14 9FB | £235,000 | 24/06/2022 | Terraced |
| 33 FRANCIS STREET, MIRFIELD, KIRKLEES, WEST YORKSHIRE, WF14 9BB | £97,500 | 07/06/2022 | Terraced |

**Area average:** £174,650 (20 sales)

## Capital growth trend

*Land Registry outcode average from sold prices: last 12 months vs 5y and 10y ago.*

- **5y growth:** 16%
- **10y growth:** 54.8%

## House Price Index (HM Land Registry)

*Official index for Kirklees; Terraced series; as of April 2026.*

- **1y growth (index):** 4.1%
- **5y growth (index):** 26.9%
- **10y growth (index):** 57.6%

## Rental Range

*ONS Price Index of Private Rents (Kirklees). Low / Realistic / Optimistic = conservative / average / best case.*

- **Low:** £698/mo
- **Realistic:** £775/mo
- **Optimistic:** £853/mo

## LHA (Local Housing Allowance)

*VOA 30th percentile rent floor for Kirklees (Apr 2025 – Mar 2026).*

## Rental Comparables

*Residential lets from OpenRent and Rightmove for the area (same bedroom count). Use to validate rent estimates. Student lets are excluded.*

| Title | Rent | Beds | Distance | As seen on |
|------|------|------|------|------|
| 2 Bed Flat, Water Royd Lane, WF14 | £695/mo | 2 | 0.55 miles | OpenRent |

**Average rent: £695/mo (1 listing)**

## 1% Rule

- **Rent ratio:** 0.52% (weak for cashflow)
- **Max investor price (0.8%):** £86,875
- **Target investor price (1%):** £69,500

*Monthly rent ÷ price. 1%+ = strong, 0.8–1% = okay, <0.8% = weak. Max investor price = rent ÷ 0.8% (Stoke-style target). Target investor price = rent ÷ 1% (strong cashflow band). Based on OpenRent comparables.*

## Rent-driven metrics

*Based on OpenRent comparables (median £695/mo).*

- **Gross yield:** 6.3%
- **Cost-to-rent:** 15.9×
- **Monthly cashflow:** £77/mo (75% LTV, 3.95% APR (5yr fixed), 25yr term)
- **Cash-on-cash ROI:** 2.4%

*Gross yield = annual rent as % of price (no costs). Cost-to-rent = price ÷ annual rent (from OpenRent comparables); under 14× = strong, 14–16× = acceptable, 17×+ = compressed. Cashflow = rent − mortgage − 10% maintenance − £25/mo compliance; assumes 75% LTV, 3.95% APR (5yr fixed), 25yr term. ROI = annual profit ÷ cash in (deposit + 4% purchase costs).*

## Flood risk

- **Zone:** 1
- **Risk:** Low
- **Source:** Not in Flood Risk Area (no data)

[Check long-term flood risk (GOV.UK)](https://check-long-term-flood-risk.service.gov.uk/postcode)

## Street-level crime

| Category | Count |
|----------|-------|
| Violence and sexual offences | 51 |
| Anti-social behaviour | 30 |
| Public order | 13 |
| Vehicle crime | 9 |
| Criminal damage and arson | 8 |
| Other theft | 8 |
| Burglary | 6 |
| Shoplifting | 6 |
| Other crime | 4 |
| Possession of weapons | 4 |
| Drugs | 2 |
| Theft from the person | 1 |
| **Total incidents** | **142** |

*Within 1 mile during May 2026. Source: data.police.uk (England & Wales).*

## Schools nearby

*Nearest open schools with Ofsted ratings (England). Closed schools are not shown.*

| Name | Type | Distance | Ofsted |
|------|------|----------|--------|
| Battyeford CofE (VC) Primary School | Primary | 0.1 miles | Good — 5 Oct 2017 |
| The Mirfield Free Grammar | Secondary | 0.5 miles | Good — 10 Mar 2020 |
| Hopton Primary School | Primary | 0.7 miles | Good — 20 Jul 2022 |
| Old Bank Academy | Primary | 0.7 miles | Good — 30 May 2024 |
| Castle Hall Academy | Secondary | 0.9 miles | Good — 28 Mar 2023 |