Whinfell, Kendal, Cumbria
North West
£400,000Guide Price
Listed on 28/09/2026
Listed on 28/09/2026
The listing
Property details
Bedrooms
3Type
HouseArea
1422 sqftFeatures
- Garden
Description
Offered at auction, this three-bedroom farmhouse in Whinfell is sold as a whole or in two lots. The farmhouse is attached to a traditional bank barn and lean-to, with approximately 18.23 acres of pasture, meadow and a small area of woodland available as a whole. Alternatively, Lot 1 comprises the house, buildings and about 15.69 acres, while Lot 2 is approximately 2.54 acres of meadow.
WHOTS analysis
Our WHOTS verdict
An internal assessment of the opportunity to acquire, improve and create value.
45out of 100
Grade ELow opportunity
Confidence: MEDIUM
Stone Hall Farm offers a distinctive rural canvas: a traditional stone farmhouse with exposed timber features, outbuildings and 18.23 acres of open countryside. The £400,000 asking price is 12.4% below the local average on a £/sqf basis, making the acquisition price a clear strength. The photographed interiors show substantial deterioration, while the worn kitchen, marked walls and ceilings, tired floors and overgrown surroundings give a buyer plenty of scope to reshape and improve the property. The barn’s poor structural integrity is a significant constraint on its potential uses.
The main caution is the arithmetic: adding the £90,000–£180,000 renovation range to the asking price gives a £490,000–£580,000 purchase-plus-works range, which is stretched against the £456,675 local-average benchmark for this floor area. That comparison is not a forecast of the value after renovation. This is being sold by auction at a guide price; bidding can take the hammer above the guide, so the eventual purchase price may not stay this cheap.
Key opportunities
- Create a bespoke home from the traditional stone farmhouse, retaining and showcasing its exposed timber character.
- Rework the worn kitchen, floors and marked interiors as part of a full transformation rather than a cosmetic update.
- Make use of the extensive land and outbuildings for a smallholding or equestrian setup; barn conversion potential is subject to consents and the structure needs careful consideration.
Key risks
- The £90,000–£180,000 works range makes this a full-scale renovation programme, with substantially more scope and budget exposure than a cosmetic refresh.
- At the asking price, adding the stated works range produces £490,000–£580,000 in purchase-plus-renovation costs, already above the £456,675 local-average benchmark for this floor area.
- The listing reports poor structural integrity in the barn, which may limit or complicate its future use.
- Worth allowing for £535,000 when purchase and the £135,000 refurb range are added together — around 15% above what similar-sized stock commands locally today; we have not assumed a post-renovation resale figure.
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Finance
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Illustrative repayments based on the asking price, not a mortgage offer.
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Current average 2-year fixed rate is 4.45%
Current average variable rate is 6.60%
Monthly Repayments
£1,511
Based on a loan of £300,000 over 30 years at 4.45% interest
These results are estimates and are only intended as a guide. Make sure you obtain accurate figures from your lender before committing to any mortgage. Your home may be repossessed if you do not keep up repayments on a mortgage.
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