The average mortgage debt level is significantly higher today than in 1990 when it stood at £35,000 compared to £120,400 today. Property repossessions are also higher than they were 22 years ago (43,900 compared to £36,200), while the unemployment rate stands at 8.4 per cent opposed to 6.9 per cent.
But it is not as bad as it sounds; Peter Dockar, head of mortgages at HSBC said: "The evidence suggests in many ways we are now better off than in the last downturn of the early 1990s.
“Inflation is half what it was then while the bank rate is a thirtieth lower, meaning borrowing is far more affordable.
"It is unlikely we will ever see rates peak as high as they did in 1990 in our lifetimes, however, there is no doubt that rates can only go one way from their historic low in future so it is essential that borrowers are prepared financially for future fluctuations in the cost of borrowing."
Saturday, March 10, 2012
Friday, March 09, 2012
West Hampstead Property For Sale, Loveridge Road
SHOW DAY SATURDAY 10TH MARCH 2012.
A superb duplex second and top floor apartment within a period terraced house along a popular side street close to all amenities including West Hampstead's three main train links and the vast plethora of restaurants, bars and cafes. In addition Kilburn Jubilee and Brondesbury overground stations are available.
The bright accommodation comprises a south facing reception/dining room, a modern fitted kitchen and both a luxury ensuite shower room and a main three piece bathroom.
The master bedroom to the top of the house offers fantastic privacy and extensive storage, quality wood flooring to the main living area and a fantastic private decked roof terrace.
This apartment could provide an excellent first home or rental investment.
Call today to book a viewing and avoid disappointment.
Loveridge Road, West Hampstead, London, NW6
Thursday, March 08, 2012
Brondesbury Property for Sale, North London
Cavendish Road, Brondesbury, London, NW6
A second (top) floor conversion within this four storey property located between Willesden Lane and Kilburn High Road.
The property is located along a popular wide tree lined street close to the Kilburn Jubilee and Brondesbury Overground stations, multiple bus routes and a vast selection of local shops, restaurants and cafes.
This bright flat benefits from gas central heating, a 16' reception room, fitted kitchen and a bathroom that could do with modernisation.
This could be a great first time buy or possibly for rental purposes.
Brondesbury North London Property for Sale
A second (top) floor conversion within this four storey property located between Willesden Lane and Kilburn High Road.
The property is located along a popular wide tree lined street close to the Kilburn Jubilee and Brondesbury Overground stations, multiple bus routes and a vast selection of local shops, restaurants and cafes.
This bright flat benefits from gas central heating, a 16' reception room, fitted kitchen and a bathroom that could do with modernisation.
This could be a great first time buy or possibly for rental purposes.
Brondesbury North London Property for Sale
Tuesday, March 06, 2012
North London Flat for Sale, Cricklewood
Manstone Road, Cricklewood, London, NW2
A superb first floor large one double bed flat within a stunning red bricked period house within easy reach to Cricklewood Thames link and Kilburn Jubilee underground stations, multiple bus routes and local shops.
The accommodation comprises a large south facing reception/dining room, a recessed and separated fully fitted kitchen, a large three piece bathroom benefitting from a window for natural light and ventilation and a spacious double bedroom.
The flat also benefits from double glazing, gas central heating, parking off road and no upper chain.This ideal first home or rental flat must be viewed as soon as possible to avoid disappointment.
Flat for Sale in Cricklewood NW2
A superb first floor large one double bed flat within a stunning red bricked period house within easy reach to Cricklewood Thames link and Kilburn Jubilee underground stations, multiple bus routes and local shops.
The accommodation comprises a large south facing reception/dining room, a recessed and separated fully fitted kitchen, a large three piece bathroom benefitting from a window for natural light and ventilation and a spacious double bedroom.
The flat also benefits from double glazing, gas central heating, parking off road and no upper chain.This ideal first home or rental flat must be viewed as soon as possible to avoid disappointment.
Flat for Sale in Cricklewood NW2
Monday, March 05, 2012
Halifax Mortgage Rate Increase
Halifax, the UK's biggest mortgage lender will raise it's SVR from the May 1st from 3.50 per cent to 3.99 per cent.Halifax said it had made this decision because of the higher cost of raising funds for mortgages from both savers and the financial markets.
The increase will add about £300 a year to mortgage payments for someone with a £100,000 mortgage.
Last week RBS said that it would raise its SVR rates from 3.75 per cent to four per cent on three of its mortgage products.
A spokesman from the Halifax said: "The change acknowledges that the cost of funding a mortgage in today's market remains significantly higher than the longer term average.".
Halifax says that customers who wish to transfer their SVR balance to a new Halifax product or a different lender will not incur an early repayment charge.
The increase will add about £300 a year to mortgage payments for someone with a £100,000 mortgage.
Last week RBS said that it would raise its SVR rates from 3.75 per cent to four per cent on three of its mortgage products.
A spokesman from the Halifax said: "The change acknowledges that the cost of funding a mortgage in today's market remains significantly higher than the longer term average.".
Halifax says that customers who wish to transfer their SVR balance to a new Halifax product or a different lender will not incur an early repayment charge.
Friday, March 02, 2012
West Hampstead Duplex Garden Flat for Sale
Maygrove Road, West Hampstead, London, NW6
A well presented 945 sq ft three double bedroom two reception duplex garden flat set in a three storey period building in West Hampstead.
The property is situated within easy walk of West Hampstead's Jubilee Line, Thames Link and Silver Link stations and Kilburn's Jubilee line and Brondesbury overground station.
The accommodation to the ground floor comprises a bay fronted 16' reception room with high ceilings and a feature fireplace with marble surround; a guest cloakroom; a rear facing third double bedroom; a South facing kitchen breakfast room with integrated appliances and a conservatory with wood floors and double doors leading to the mature South facing rear garden.
The accommodation to the first floor comprises a South facing second bedroom; a front facing master bedroom and a luxury modern bathroom incorporating a white three piece suite, a separate shower cubicle, fitted storage and a heated towel rail.
Further benefits include long lease, residents permit parking and a 50ft South facing garden.
North London Flat for Sale
A well presented 945 sq ft three double bedroom two reception duplex garden flat set in a three storey period building in West Hampstead.
The property is situated within easy walk of West Hampstead's Jubilee Line, Thames Link and Silver Link stations and Kilburn's Jubilee line and Brondesbury overground station.
The accommodation to the ground floor comprises a bay fronted 16' reception room with high ceilings and a feature fireplace with marble surround; a guest cloakroom; a rear facing third double bedroom; a South facing kitchen breakfast room with integrated appliances and a conservatory with wood floors and double doors leading to the mature South facing rear garden.
The accommodation to the first floor comprises a South facing second bedroom; a front facing master bedroom and a luxury modern bathroom incorporating a white three piece suite, a separate shower cubicle, fitted storage and a heated towel rail.
Further benefits include long lease, residents permit parking and a 50ft South facing garden.
North London Flat for Sale
Thursday, March 01, 2012
Mapesbury Conservation Area Flat for Sale
Mapesbury Road, Mapesbury, London, NW2
A bright and cosy top floor one double bedroom conversion set within a stunning corner Victorian property located in the heart of the Mapesbury Conservation Area.
The property benefits from a open plan reception, newly fitted kitchen with all appliances, fully tiled bathroom with shower attachment and wc and a large double bedroom.
Willesden Green, Kilburn and Queens Park are all easily accessible.
Flat for Sale Mapesbury Conservation Area
Wednesday, February 29, 2012
Garden Apartment for Sale in Queens Park
The Avenue, Queens Park, London, NW6
A spacious, bright and very well presented 1214 sq ft three bedroom three bathroom garden apartment with off street parking set on the ground floor of this imposing semi detached residence.
The flat must be seen to be appreciated and boasts a stunning 19' reception room with parquet flooring, fireplace and doors that lead onto a 75' sunny rear garden and a modern fully fitted kitchen with appliances which also has access onto the side return. The 17' master bedroom has a large en-suite bathroom/WC, the second bedroom also has an en suite shower room aswell as a separate family bathroom/WC.
Further benefits include off street parking for three cars, fitted carpets, wood floors, double glazed windows, plenty of storage and a long lease.
The Avenue is a wide tree lined road easily accessible to the green open spaces of Queens Park and within the Mallorees school catchment area. Both Kilburn (Jubilee Line) and Queens Park (Bakerloo Line) stations and the shops, bars, restaurants of Salusbury Road are nearby.
Queens Park Flat for Sale
A spacious, bright and very well presented 1214 sq ft three bedroom three bathroom garden apartment with off street parking set on the ground floor of this imposing semi detached residence.
The flat must be seen to be appreciated and boasts a stunning 19' reception room with parquet flooring, fireplace and doors that lead onto a 75' sunny rear garden and a modern fully fitted kitchen with appliances which also has access onto the side return. The 17' master bedroom has a large en-suite bathroom/WC, the second bedroom also has an en suite shower room aswell as a separate family bathroom/WC.
Further benefits include off street parking for three cars, fitted carpets, wood floors, double glazed windows, plenty of storage and a long lease.
The Avenue is a wide tree lined road easily accessible to the green open spaces of Queens Park and within the Mallorees school catchment area. Both Kilburn (Jubilee Line) and Queens Park (Bakerloo Line) stations and the shops, bars, restaurants of Salusbury Road are nearby.
Queens Park Flat for Sale
Monday, February 27, 2012
West Hampstead Flat for Sale, Gondar Gardens
Gondar Gardens, West Hampstead, London, NW6
A first floor one bedroom conversion within this three storey property located in the popular 'Greek Roads' only a few minutes' walk to the shops of Mill Lane and the amenities and three train stations of West Hampstead.
This bright flat benefits from gas central heating, reception with wood floors , fitted kitchen with oven hob and a bathroom comprising a three piece suite.
The flat also has a storage cupboard in the hallway and has use of the communal cellar for storage and communal gardens.
This is an excellent first time buy or good for a buy to let property.
North London Property for Sale
Middle Eastern Investment in Luxury London Property
Central London's residential market continued to recover very strongly throughout 2011.London's reputation as a safe haven for investors is being reinforced by global troubles, not undermined. Additional incentives such as a weak sterling and a favourable tax system are also making it more attractive amongst a range of potential foreign investors.
The largest increase in prime property investment comes from the Middle Eastern Investor who now hold 13% of London most expensive property.
Ben Stroud, Associate Director of Residential Agency, Development & Investment at Jones Lang LaSalle London said: "London continues to offer solid growth potential and its twinned status as an accessible capital city and financial centre, alongside a stable political system and transparent legal framework, continues to attract interest from across the Middle East."
Central London Housing Market
The largest increase in prime property investment comes from the Middle Eastern Investor who now hold 13% of London most expensive property.
Ben Stroud, Associate Director of Residential Agency, Development & Investment at Jones Lang LaSalle London said: "London continues to offer solid growth potential and its twinned status as an accessible capital city and financial centre, alongside a stable political system and transparent legal framework, continues to attract interest from across the Middle East."
Central London Housing Market
Sunday, February 26, 2012
Mortgage Lending Fell in January
The Council of Mortgage Lenders has reported that gross mortgage lending fell 14 % to £10.5 billion in January from the previous month, it was up 10 percent from a year earlier.
A seasonal decline was expected in January. "Should inflationary pressures continue to fall back, the squeeze on household finances should ease progressively and help support stronger economic recovery going into the second half of the year," CML chief economist Bob Pannell said in the statement. "This can only be good news for the housing market further down the track."
UK Mortgage News
A seasonal decline was expected in January. "Should inflationary pressures continue to fall back, the squeeze on household finances should ease progressively and help support stronger economic recovery going into the second half of the year," CML chief economist Bob Pannell said in the statement. "This can only be good news for the housing market further down the track."
UK Mortgage News
Saturday, February 25, 2012
London House for Sale, West Hampstead
Broomsleigh Street, West Hampstead, London, NW6
A superb period character house in excellent decorative order in a quiet residential turning off Mill Lane. All local amenities are available including a plethora of restaurants, bars and cafes and fantastic transport links (ThamesLink, Jubilee and London Overground stations) are all close by on West End Lane which can be reached via a useful footpath running directly from Broomsleigh Street.
The ground floor includes a bright double reception room benefitting from smoked solid oak flooring, central fireplace with a limestone mantelpiece and made to measure shutters. The fully fitted kitchen offers a tiled floor, a combination of solid beech and granite worktops and is dual aspect with windows overlooking the rear garden and a stable door giving outside access.
On the first and second floors the house offers 4 bedrooms and two bathrooms, one of which is a superb shower room with attractive tiling, a heated wall mirror and a wooden vanity unit complete with a contemporary circular wash hand basin.
Other features include made to measure shutters in the master bedroom, a large cellar, two eaves cupboards, a spacious dressing/storage area leading to bedroom 4, double glazed sash windows to the rear of the house, a feature entrance hall with original covings and period front door and a most attractive and private westerly facing rear garden.
Viewing is highly recommended on this beautiful house to avoid disappointment.
West Hampstead House for Sale
A superb period character house in excellent decorative order in a quiet residential turning off Mill Lane. All local amenities are available including a plethora of restaurants, bars and cafes and fantastic transport links (ThamesLink, Jubilee and London Overground stations) are all close by on West End Lane which can be reached via a useful footpath running directly from Broomsleigh Street.
The ground floor includes a bright double reception room benefitting from smoked solid oak flooring, central fireplace with a limestone mantelpiece and made to measure shutters. The fully fitted kitchen offers a tiled floor, a combination of solid beech and granite worktops and is dual aspect with windows overlooking the rear garden and a stable door giving outside access.
On the first and second floors the house offers 4 bedrooms and two bathrooms, one of which is a superb shower room with attractive tiling, a heated wall mirror and a wooden vanity unit complete with a contemporary circular wash hand basin.
Other features include made to measure shutters in the master bedroom, a large cellar, two eaves cupboards, a spacious dressing/storage area leading to bedroom 4, double glazed sash windows to the rear of the house, a feature entrance hall with original covings and period front door and a most attractive and private westerly facing rear garden.
Viewing is highly recommended on this beautiful house to avoid disappointment.
West Hampstead House for Sale
Friday, February 24, 2012
Brondesbury Conservation Area Duplex Apartment for Sale
Streatley Road, Brondesbury, London, NW6
SHOW DAY SATURDAY 25TH FEBRUARY.
A stunning and brand newly refurbished 860 square foot first and second floor two double bedroom duplex apartment within the ever popular Brondesbury Conservation Area.
Within a short distance is the Kilburn Jubilee and Brondesbury train stations, multiple bus routes and a vast selection of local amenities and shops.
The accommodation to the first level offers a fantastic bright front aspect reception/dining room with multiple windows, a fully fitted kitchen to include granite worksurfaces and a luxury three piece bathroom.
To the upper floor are two large double bedrooms with the master benefitting from bespoke fitted wardrobes and a superb en suite shower room.
This apartment also offers a simply amazing westerly facing roof terrace, quality wood flooring, modern and trendy lighting, long lease and no upper chain.
The flat has been finished to the highest standards and viewing is a must to appreciate this fine home and to avoid disappointment.
North London Apartment for Sale
SHOW DAY SATURDAY 25TH FEBRUARY.
A stunning and brand newly refurbished 860 square foot first and second floor two double bedroom duplex apartment within the ever popular Brondesbury Conservation Area.
Within a short distance is the Kilburn Jubilee and Brondesbury train stations, multiple bus routes and a vast selection of local amenities and shops.
The accommodation to the first level offers a fantastic bright front aspect reception/dining room with multiple windows, a fully fitted kitchen to include granite worksurfaces and a luxury three piece bathroom.
To the upper floor are two large double bedrooms with the master benefitting from bespoke fitted wardrobes and a superb en suite shower room.
This apartment also offers a simply amazing westerly facing roof terrace, quality wood flooring, modern and trendy lighting, long lease and no upper chain.
The flat has been finished to the highest standards and viewing is a must to appreciate this fine home and to avoid disappointment.
North London Apartment for Sale
Change of Use News; Converting Town Centre Commerc...
Freehold Investment Property For Sale: Change of Use News; Converting Town Centre Commerc...: According to the National Association of Estate Agents (NAEA) quick thinking developers should be given the support needed to transform the UK’s town and city centres from rows of empty shops to classy residential developments.
Wednesday, February 22, 2012
Cotteridge Birmingham Development Land for Sale
Development Land For Sale in Birmingham
Cotteridge
Hudsons Drive
Birmingham
West Midlands
B30
Gross Site Area: 19800 sq/ft*
£ 575,000
Freehold
Cotteridge is a residential area of Birmingham approximately 4.5 miles south of Birmingham City Centre connected to both the Watford Road and the Pershore Road.
The property is located in a recently developed residential road that offers good transport links to the City Centre, local amenities including the Cotteridge centre, Bournville and Kings Norton train stations.
Forming part of a larger scheme to develop a former factory and car park into 51 residential dwellings however in 2007 only the factory site was built leaving the car park undeveloped.
The car park comprises 11 Residential dwellings (5 x 3 bed houses, 2 x 1 bed flats & 4 x 2 bed flats)
Land with Planning for Sale Cotteridge, Birmingham
Tuesday, February 21, 2012
Bournemouth Residential Property With Planning for Sale
Freehold Bournemouth Property for Sale
Southbourne
Castlemain Avenue
Bournemouth
Dorset
BH6
£ 420,000
Southbourne is a popular suburb of Bournemouth. It is the most easterly part of the borough, between Boscombe and Christchurch.
The property is located on Castlemain Avenue a short distance from Southbourne High Street offering numerous shops and amenities. Southbourne has its award winning blue flag beaches together with access onto Hengistbury Head and Wick which is located by the Christchurch River.
A bus service provides direct access to both Christchurch and Bournemouth together with a local train station providing direct links to Southampton and London.
This freehold house has been arranged as 7 bedsit units & 1 self-contained studio which are let to individual tenants on an AST basis.
The house benefits from GCH, two bathrooms, DG windows and a coin operated commercial washing machine dryer.
Tenants pay for their electricity by card operated meters and the landlord pays for the gas, Internet Wi-Fi, council tax and weekly cleaning of the common parts.
This investment currently produces £39,260 per annum.
In addition to the above the property also benefits from full planning permission to convert the house into 5x self-contained apartments (1xStudio, 3x1 beds & 1x2bed)
Property With Planning for Sale
Southbourne
Castlemain Avenue
Bournemouth
Dorset
BH6
£ 420,000
Southbourne is a popular suburb of Bournemouth. It is the most easterly part of the borough, between Boscombe and Christchurch.
The property is located on Castlemain Avenue a short distance from Southbourne High Street offering numerous shops and amenities. Southbourne has its award winning blue flag beaches together with access onto Hengistbury Head and Wick which is located by the Christchurch River.
A bus service provides direct access to both Christchurch and Bournemouth together with a local train station providing direct links to Southampton and London.
This freehold house has been arranged as 7 bedsit units & 1 self-contained studio which are let to individual tenants on an AST basis.
The house benefits from GCH, two bathrooms, DG windows and a coin operated commercial washing machine dryer.
Tenants pay for their electricity by card operated meters and the landlord pays for the gas, Internet Wi-Fi, council tax and weekly cleaning of the common parts.
This investment currently produces £39,260 per annum.
In addition to the above the property also benefits from full planning permission to convert the house into 5x self-contained apartments (1xStudio, 3x1 beds & 1x2bed)
Property With Planning for Sale
Sunday, February 19, 2012
Hunslet Property for Sale, Leeds, West Yorkshire
Leeds City Centre Property for Sale
Pepper Road, Hunslet
Leeds
West Yorkshire
LS10
NIA: 6046 sq/ft*
£ 350,000 + VAT
Freehold
Hunslet is an inner-city area in South Leeds and is approximately 1.5 miles south east of the City Centre. Hunslet offers a good range of local amenities at the Penny Hill Shopping Centre as well as being well served by local bus routes providing easy road to Leeds City Centre.
Links to the local and national motorway network including the A1, M1 link road are all a short drive away and surrounding towns such as Rothwell, Morley and Wakefield can be easily accessed.
The property comprises a 3 storey semi-detached office building within an enclosed secure yard and associated off street parking (16 spaces).
Net internal floor areas 6,046sq.ft
The property represents excellent value for continued use / owner occupation. There is also potential for redevelopment (residential / mixed use) subject to gaining the appropriate Local Authority consents.
Rateable Value £39,000
Property for Sale, Leeds, West Yorkshire
Pepper Road, Hunslet
Leeds
West Yorkshire
LS10
NIA: 6046 sq/ft*
£ 350,000 + VAT
Freehold
Hunslet is an inner-city area in South Leeds and is approximately 1.5 miles south east of the City Centre. Hunslet offers a good range of local amenities at the Penny Hill Shopping Centre as well as being well served by local bus routes providing easy road to Leeds City Centre.
Links to the local and national motorway network including the A1, M1 link road are all a short drive away and surrounding towns such as Rothwell, Morley and Wakefield can be easily accessed.
The property comprises a 3 storey semi-detached office building within an enclosed secure yard and associated off street parking (16 spaces).
Net internal floor areas 6,046sq.ft
The property represents excellent value for continued use / owner occupation. There is also potential for redevelopment (residential / mixed use) subject to gaining the appropriate Local Authority consents.
Rateable Value £39,000
Property for Sale, Leeds, West Yorkshire
Friday, February 17, 2012
London's Investments For the Future
Batteresea is finally going to have its place on the Tube Map.The Northern Line Extension (NLE) will improve transport capacity throughout the Vauxhall Nine Elms area with stops at Wandsworth Road and Battersea Power Station. It will also relieve pressure at Vauxhall station.
In November 2011 the extension was included in a group of infrastructure projects announced by George Osborne, due to be backed by the Government,although completed with private sector funding.
In the proposal Battersea Power Station would become the focus for a new town centre with 66,000 square metres of retail, restaurant and cafe space - more than Clapham Junction and Wandsworth town centres.
In November 2011 the extension was included in a group of infrastructure projects announced by George Osborne, due to be backed by the Government,although completed with private sector funding.
In the proposal Battersea Power Station would become the focus for a new town centre with 66,000 square metres of retail, restaurant and cafe space - more than Clapham Junction and Wandsworth town centres.
Wednesday, February 15, 2012
Nottingham Office Building For Sale
Freehold Office Building for Sale, Basford, Nottingham
David Lane
Nottingham
Nottinghamshire
NG6
Gross Site Area: 1.11 acres*
£ 800,000 + VAT
Freehold
The property can be found on David Lane adjacent to the David Lane NET Tram Station in the suburb of Basford. The building is approximately 3 miles North West of Nottingham City Centre.
David Lane is a busy link route connecting to the A610 Nuthall Road and giving good access to the A614 Nottingham Ring Road. The office accommodation comprises a four storey building and benefits from central heating, passenger lift, kitchen, WC facilities.
FURTHER INFORMATION
Vacant possession
Approx gross site area: 1.11 acres* (0.45 hectares).
Approx gross external area: 20,281 sq.ft*
Rateable Value: £84,000
Unconditional offers are invited for our clients unencumbered interest
The property represents excellent value for continued use / owner occupation. There is also potential for redevelopment (residential / student accomodation / commercial / mixed use) subject to gaining the appropriate Local Authority consents.
Redevelopment Property for Sale Basford, Nottingham
Tuesday, February 14, 2012
The Rightmove Happy at Home Index
A Rightmove 'Happy at Home Index' has reveled that Carlisle residents are the happiest.
Despite numerous reports highlighting the contrasting fortunes for the North and South on conventional property measures like property prices and transaction volumes, those living in The North are marginally happier with where they live than those in The South and seven of the 10 happiest cities in the UK are in the North – of the Top 10, only Norwich, Dorchester and Exeter are in the South.Of the 12 measures that comprise the index, the North outscores the South on all but two(recreation and amenities)
So, what’s so good about Carlisle?
Carlisle is the second most northerly city in England and often referred to as ‘The Border City’ because of its proximity to the England-Scotland border. The City of Carlisle is a local government district of Cumbria which is named after its largest city. Though the city only has a population of around 100,000, it is, by area, the second largest city in England (though the majority is not urbanised).
Situated on the M6, it is within easy reach of the Lake District, and Northumberland and Kielder national parks. Average asking prices in Carlisle started the year at £136,586, some 7.3% lower than they were in January 2011. Since peaking in September 2007, average asking prices have fallen 23%
Despite numerous reports highlighting the contrasting fortunes for the North and South on conventional property measures like property prices and transaction volumes, those living in The North are marginally happier with where they live than those in The South and seven of the 10 happiest cities in the UK are in the North – of the Top 10, only Norwich, Dorchester and Exeter are in the South.Of the 12 measures that comprise the index, the North outscores the South on all but two(recreation and amenities)
So, what’s so good about Carlisle?
Carlisle is the second most northerly city in England and often referred to as ‘The Border City’ because of its proximity to the England-Scotland border. The City of Carlisle is a local government district of Cumbria which is named after its largest city. Though the city only has a population of around 100,000, it is, by area, the second largest city in England (though the majority is not urbanised).
Situated on the M6, it is within easy reach of the Lake District, and Northumberland and Kielder national parks. Average asking prices in Carlisle started the year at £136,586, some 7.3% lower than they were in January 2011. Since peaking in September 2007, average asking prices have fallen 23%
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