# 2 bedroom detached bungalow for sale (CA28 9LE)

## Property Details

| Key | Value |
|-----|-------|
| Address | 6 LOWTHER GARDENS, WHITEHAVEN, CUMBRIA CA28 9LE |
| Price | £175,000 |
| Bedrooms | 2 |
| Bathrooms | 2 |
| Construction age | England and Wales: 2007-2011 |
| Floor area | 68 m² |
| Last sold | £175,000 Aug 2022 |

## EPC Rating & Upgrade Cost

- **Current rating:** C
- **Potential rating:** B
- **Expiry date:** 05/12/2031
- **Current heating cost:** £392/year
- **Est. upgrade cost to C:** £9,510

### Recommendations
- E (£10)
- 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/2001-0392-4090-2096-6005)

## Description

Lillingtons are delighted to bring to the market this beautiful detached bungalow located in an elevated position overlooking the town and Lake District Fells to the front.

The property is light and airy and benefits from a breakfast kitchen, lounge which leads to the conservatory, two double bedrooms with the master having an en-suite shower room and a family bathroom. Externally is a laid to lawn garden and driveway with parking for 2 cars.

EPC band C

## Property Photos

- ![Photo](/listings/photos/123988796/1347929)
- ![Photo](/listings/photos/123988796/1347930)
- ![Photo](/listings/photos/123988796/1347931)
- ![Photo](/listings/photos/123988796/1347932)
- ![Photo](/listings/photos/123988796/1347933)
- ![Photo](/listings/photos/123988796/1347934)
- ![Photo](/listings/photos/123988796/1347935)
- ![Photo](/listings/photos/123988796/1347936)
- ![Photo](/listings/photos/123988796/1347937)
- ![Photo](/listings/photos/123988796/1347938)
- ![Photo](/listings/photos/123988796/1347939)
- ![Photo](/listings/photos/123988796/1347940)

## EPC Graphs

- ![EPC 1](/listings/photos/123988796/1347941) - EPC 1

## Sales History

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

| Address | Price | Date | Type |
|---------|-------|------|------|
| 6 LOWTHER GARDENS, WHITEHAVEN, COPELAND, CUMBRIA, CA28 9LE | £175,000 | 17/08/2022 | Detached |
| 6 LOWTHER GARDENS, WHITEHAVEN, COPELAND, CUMBRIA, CA28 9LE | £141,500 | 01/12/2011 | 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 |
|---------|-------|------|------|
| 2 MAYFLOWER LANE, WHITEHAVEN, CUMBERLAND, CA28 9DQ | £229,950 | 27/01/2023 | Detached |

**Area average:** £229,950 (1 sale)

## Price vs local average

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

- **Local average:** £316,719 (21 Detached, CA28, 2024–2026)
- **Deviation:** -44.7%

## 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 West 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, Brakeside Gardens, CA28 | £900/mo | 2 | 0.37 miles | OpenRent |
| 2 Bed Semi-Detached House, Latrigg Road, CA28 | £700/mo | 2 | 0.48 miles | OpenRent |
| 2 Bed Semi-Detached House, Westmorland Road, CA28 | £795/mo | 2 | 0.83 miles | OpenRent |
| 2 Bed Terraced House, Main St, CA28 | £750/mo | 2 | 1.13 miles | OpenRent |
| 2 Bed Flat, Scotch Street, CA28 | £575/mo | 2 | 1.25 miles | OpenRent |

**Average rent: £744/mo (5 listings)**

## 1% Rule

- **Rent ratio:** 0.43% (weak for cashflow)
- **Max investor price (0.8%):** £93,750
- **Target investor price (1%):** £75,000

*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 £750/mo).*

- **Gross yield:** 5.1%
- **Cost-to-rent:** 19.4×
- **Monthly cashflow:** £-39/mo (75% LTV, 3.95% APR (5yr fixed), 25yr term)
- **Cash-on-cash ROI:** -0.9%

*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:** £2,574/m²

## Capital growth trend

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

- **5y growth:** 11%
- **10y growth:** 57.3%

## House Price Index (HM Land Registry)

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

- **1y growth (index):** 5.5%
- **5y growth (index):** 24.2%
- **10y growth (index):** 53.6%

## 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)