34, Scotch Street, Whitehaven, CA28 7NS

The Spreadsheet Says Yes. And so does every instinct that told you northern yields were worth a closer look.

A period flat in a proven rental market, with the kind of numbers that make city prices feel faintly absurd. There is a lot to like about this flat before you even get to the numbers.

A one-bedroom period property with original cornicing, ceiling rose and sash windows overlooking a walled garden with established planting and stone pathways - this is the kind of flat that photographs well and lives even better.

The proportions are good throughout, natural light is generous, and the period detail has been retained rather than stripped out in a previous refurb.

The bathroom has been updated with a bath, an overhead shower and a chrome heated towel rail.

The washing machine is included, so the flat is genuinely move-in ready without any additional outlay on appliances. The walled garden is a genuine point of difference for a town-centre flat.

Established planting, stone pathways and a sense of seclusion that most properties at this price point simply cannot offer.

The bedroom looks out over it directly, so you wake up to greenery rather than a street.

For a first-time buyer or a downsizer wanting outdoor space without the upkeep of a full garden, it strikes exactly the right balance.

The flat is located on the first floor, and also comes with a garage - secure, off-street parking in the town centre is not something to take for granted, and for commuters or contract workers it is a genuinely useful addition.

Location-wise, Whitehaven Marina is a short walk away.

The train station connects the town up and down the Cumbrian Coast Line, and Tesco, Morrisons and local doctors are all within easy reach on foot.

The harbour front, independent cafés and bars make daily life feel easy without needing a car. For investors, the fundamentals are strong.

At £70,000 with rents running at £495 pcm, the gross yield lands between 8% and 10%, underpinned by consistent demand from contract workers at Sellafield and the West Cumberland Hospital - salaried professionals who need somewhere decent to live and have every reason to pay on time.

For a first-time buyer, the maths are equally straightforward.

A mortgage on a £70,000 flat costs materially less per month than the £495 pcm they are probably already paying in rent - and what they get in return is a home with genuine character, a walled garden that most town-centre flats cannot come close to matching, and a garage to boot.

Get in touch to arrange a viewing - properties at this price point with this return profile do not hang around.