# 2 bedroom terraced house for sale (CA13 0YG)

## Property Details

| Key | Value |
|-----|-------|
| Address | 1 BANKS TERRACE, COCKERMOUTH, LITTLE BROUGHTON, CUMBERLAND CA13 0YG |
| Price | £190,000 |
| Bedrooms | 2 |
| Bathrooms | 2 |
| Council tax | A |
| Construction age | England and Wales: before 1900 |
| Floor area | 71 m² |
| Last sold | £190,000 Jun 2025 |

## EPC Rating & Upgrade Cost

- **Current rating:** D
- **Potential rating:** B
- **Expiry date:** 15/01/2035
- **Current heating cost:** £943/year
- **Est. upgrade cost to C:** £25,675

### Recommendations
- A2 (£850 - £1,500)
- B (£500 - £1,500)
- Q (£4,000 - £14,000)
- W2 (£4,000 - £6,000)
- N (£4,000 - £6,000)
- U (£3,500 - £5,500)

[View full EPC on gov.uk](https://find-energy-certificate.service.gov.uk/energy-certificate/2081-1689-6050-6005-6095)

## Description

Occupying a prime position in the centre of Little Broughton, this fantastic cottage benefits from a private garden and a detached garage at the rear with a studio above. The cottage is charming and full of character, including an entrance porch, living room with open fire, separate dining room, a farmhouse style kitchen/breakfast room, two first floor double bedrooms and a handy first floor bathroom. To the rear is a delightful cottage style garden with mature borders which are a haven for many species of wild birds. The garage plus studio at the top of the garden benefits from far reaching views to the Lakeland fells and is currently used as a guest suite but also offering versatile living/work space with an adjacent WC. Properties like this don't come along often so seize your chance now.

EPC band D

## Property Photos

- ![Photo](/listings/photos/156824288/1327381)
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- ![Photo](/listings/photos/156824288/1327395)
- ![Photo](/listings/photos/156824288/1327396)
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## Floorplans

- ![Floorplan 1](/listings/photos/156824288/1327398) - Floorplan 1

## EPC Graphs

- ![EPC 1](/listings/photos/156824288/1327399) - EPC 1

## FENSA Certificates

This property has 4 FENSA certificate(s) on record.

### FENSA Certificate #8499628
- **Address:** 1 Peartree Gardens, Little Broughton, CA13 0YG
- **Certificate Issued:** 09/11/2011
- **Work Completed:** 28/10/2011
- **Items:** 5 window(s)

### FENSA Certificate #8150349
- **Address:** 1 Peartree Gardens, Little Broughton, CA13 0YG
- **Certificate Issued:** 09/05/2011
- **Work Completed:** 20/04/2011
- **Items:** 5 window(s), 2 door(s)

### FENSA Certificate #11369200
- **Address:** 1 Peartree Gardens, Little Broughton, CA13 0YG
- **Certificate Issued:** 23/12/2015
- **Work Completed:** 12/11/2015
- **Items:** 1 window(s), 1 door(s)

### FENSA Certificate #15286163
- **Address:** 1 Banks Terrace, Little Broughton, CA13 0YG
- **Certificate Issued:** 10/07/2022
- **Work Completed:** 14/06/2022
- **Items:** 3 window(s), 1 door(s)

## Sales History

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

| Address | Price | Date | Type |
|---------|-------|------|------|
| 1 BANKS TERRACE, LITTLE BROUGHTON, COCKERMOUTH, CUMBERLAND, CA13 0YG | £190,000 | 11/06/2025 | Detached |

## Sold Comparables

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

| Address | Price | Date | Type |
|---------|-------|------|------|
| 85 CHURCH MEADOWS, GREAT BROUGHTON, COCKERMOUTH, CUMBERLAND, CA13 0LE | £125,000 | 15/12/2025 | Terraced |
| 1 ARCHWAY COTTAGES, LITTLE BROUGHTON, COCKERMOUTH, CUMBERLAND, CA13 0YF | £160,000 | 09/12/2025 | Terraced |
| WANSFELL HOUSE, LITTLE BROUGHTON, COCKERMOUTH, CUMBERLAND, CA13 0YG | £349,950 | 26/05/2023 | Terraced |
| 4 LISTERS COTTAGES, LITTLE BROUGHTON, COCKERMOUTH, ALLERDALE, CUMBRIA, CA13 0XY | £185,000 | 04/11/2022 | Terraced |
| 107 CHURCH MEADOWS, GREAT BROUGHTON, COCKERMOUTH, ALLERDALE, CUMBRIA, CA13 0LE | £132,000 | 11/10/2022 | Terraced |
| 7 LISTERS COTTAGES, LITTLE BROUGHTON, COCKERMOUTH, ALLERDALE, CUMBRIA, CA13 0XY | £103,000 | 09/12/2021 | Terraced |
| 67 CHURCH MEADOWS, GREAT BROUGHTON, COCKERMOUTH, ALLERDALE, CUMBRIA, CA13 0LE | £119,950 | 12/11/2021 | Terraced |
| 79 CHURCH MEADOWS, GREAT BROUGHTON, COCKERMOUTH, ALLERDALE, CUMBRIA, CA13 0LE | £117,000 | 12/11/2021 | Terraced |
| GREEN BANK COTTAGE, LITTLE BROUGHTON, COCKERMOUTH, ALLERDALE, CUMBRIA, CA13 0YG | £70,000 | 06/08/2021 | Terraced |

**Area average:** £151,322 (9 sales)

## Price vs local average

*Outcode + property type (HousePrices, last 2 years).*

- **Local average:** £185,879 (17 Terraced, CA13, 2024–2026)
- **Deviation:** +2.2%

## Rental Range

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

- **Low:** £859/mo
- **Realistic:** £954/mo
- **Optimistic:** £1,049/mo

## LHA (Local Housing Allowance)

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

- **LHA floor (this property size):** £474/mo

## 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 Semi-Detached House, Main Street, CA13 | £595/mo | 2 | 0.3 miles | OpenRent |

**Average rent: £595/mo (1 listing)**

## 1% Rule

- **Rent ratio:** 0.31% (weak for cashflow)
- **Max investor price (0.8%):** £74,375
- **Target investor price (1%):** £59,500

*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 £595/mo).*

- **Gross yield:** 3.8%
- **Cost-to-rent:** 26.6×
- **Monthly cashflow:** £-238/mo (75% LTV, 3.95% APR (5yr fixed), 25yr term)
- **Cash-on-cash ROI:** -5.2%

*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).*

## Price per Square Metre

- **£/m²:** £2,676/m²

## Capital growth trend

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

- **5y growth:** -21.5%
- **10y growth:** -25%

## House Price Index (HM Land Registry)

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

- **1y growth (index):** 9.2%
- **5y growth (index):** 27.5%
- **10y growth (index):** 63.4%

## Flood risk

- **Zone:** 1
- **Risk:** Low
- **Source:** Job (default Low)

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