# 2 bedroom terraced house for sale (WF14 9QF)

## Property Details

| Key | Value |
|-----|-------|
| Address | 33 BANK STREET, MIRFIELD, WEST YORKSHIRE WF14 9QF |
| Price | £139,950 |
| Bedrooms | 2 |
| Bathrooms | 1 |
| Council tax | A |
| Last sold | £133,000 Feb 2026 |

## 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)

## Description

A two double bedroom front facing terrace house presenting an ideal opportunity for first time buyers. The house has been fully refurbished including a new kitchen and bathroom suite. It would also suit those looking to downsize or buy-to-let investors. Conveniently located a short distance to the centre of Mirfield and amenities including schools and public transport links. The railway station in the centre of town connects neighbouring towns and cities including; Huddersfield, Leeds and Manchester, as well as having a direct line to London. Motorway links are also close-by.

Tenure - Freehold

EPC Rating - D

Council Tax - Band A

Gas - mains

Electric - mains

Water - mains

Sewerage - mains

Parking - on road

**Entrance** - The front door opens to the entrance vestibule with a door opening to the kitchen and stairs lead to the first floor.

**Open Plan Living Kitchen** - A large open plan living kitchen which provides ample space for furnishings. The newly fitted kitchen comprises a range of wall and base units, stainless steel 1.5 sink and drainer, integrated electric oven with hob and extractor above, plumbing for a washing machine and space for a free standing fridge freezer. Also housing the gas central heating boiler and providing access to the cellar.

**Cellar** - A useful keeping cellar.

**First Floor Landing** - Doors open to the two bedrooms and house bathroom.

**Bathroom** - A contemporary suite comprising a bath with electric shower over, pedestal wash basin, low flush wc and front facing obscured window.

**Bedroom One** - A generous double bedroom providing space for furnishings and having useful storage cupboards. Large front aspect window.

**Bedroom Two** - A well proportioned double bedroom with space for furnishings and a front aspect window.

**On Road Parking** -

## Property Photos

- ![Photo](/listings/photos/163550591/1036715)
- ![Photo](/listings/photos/163550591/1036716)
- ![Photo](/listings/photos/163550591/1036717)
- ![Photo](/listings/photos/163550591/1036718)
- ![Photo](/listings/photos/163550591/1036719)
- ![Photo](/listings/photos/163550591/1036720)
- ![Photo](/listings/photos/163550591/1036721)
- ![Photo](/listings/photos/163550591/1036722)
- ![Photo](/listings/photos/163550591/1036723)

## Floorplans

- ![Floorplan 1](/listings/photos/163550591/1036724) - Floorplan 1

## EPC Graphs

- ![EE Rating](/listings/photos/163550591/1036725) - EE Rating

## 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 |

## Sold Comparables

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

| Address | Price | Date | Type |
|---------|-------|------|------|
| [Same street] 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 |
| [Same street] 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 |
| [Same street] 47 BANK STREET, MIRFIELD, KIRKLEES, WEST YORKSHIRE, WF14 9QF | £425,000 | 11/10/2023 | Detached |
| [Same street] 45 BANK STREET, MIRFIELD, KIRKLEES, WEST YORKSHIRE, WF14 9QF | £420,000 | 29/09/2023 | Detached |
| 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 |
| [Same street] 6 BANK STREET, MIRFIELD, KIRKLEES, WEST YORKSHIRE, WF14 9QF | £194,500 | 02/06/2023 | Semi-detached |
| [Same street] 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 |
| 6 WASPSNEST COURT, MIRFIELD, KIRKLEES, WEST YORKSHIRE, WF14 9FB | £235,000 | 24/06/2022 | Terraced |
| 7 THE CLOUGH, MIRFIELD, KIRKLEES, WEST YORKSHIRE, WF14 9DN | £150,000 | 24/06/2022 | Terraced |
| 33 FRANCIS STREET, MIRFIELD, KIRKLEES, WEST YORKSHIRE, WF14 9BB | £97,500 | 07/06/2022 | Terraced |
| 396 HUDDERSFIELD ROAD, MIRFIELD, KIRKLEES, WEST YORKSHIRE, WF14 9DL | £265,000 | 16/05/2022 | Terraced |
| [Same street] 3 BANK STREET, MIRFIELD, KIRKLEES, WEST YORKSHIRE, WF14 9QF | £167,000 | 04/03/2022 | Terraced |
| 78 NAB LANE, MIRFIELD, KIRKLEES, WEST YORKSHIRE, WF14 9QH | £167,000 | 02/03/2022 | Terraced |
| 102 STOCKS BANK ROAD, MIRFIELD, KIRKLEES, WEST YORKSHIRE, WF14 9QB | £100,000 | 21/12/2021 | Terraced |
| [Same street] 27 BANK STREET, MIRFIELD, KIRKLEES, WEST YORKSHIRE, WF14 9QF | £145,000 | 03/12/2021 | Terraced |
| [Same street] 35 BANK STREET, MIRFIELD, KIRKLEES, WEST YORKSHIRE, WF14 9QF | £124,000 | 23/09/2021 | Terraced |

**Street average:** £203,167 (9 sales)
**Area average:** £183,600 (20 sales)

## Price vs local average

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

- **Local average:** £185,862 (25 Terraced, WF14, 2024–2026)
- **Deviation:** -24.7%

## 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).*

- **LHA floor (this property size):** £524/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 Flat, Water Royd Lane, WF14 | £695/mo | 2 | 0.53 miles | OpenRent |

**Average rent: £695/mo (1 listing)**

## 1% Rule

- **Rent ratio:** 0.5% (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%
- **Cost-to-rent:** 16.8×
- **Monthly cashflow:** £49/mo (75% LTV, 3.95% APR (5yr fixed), 25yr term)
- **Cash-on-cash ROI:** 1.5%

*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:** £2,257/m²

## Capital growth trend

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

- **5y growth:** 15.1%
- **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%

## 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)