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£165,000

Offers over

2 bed house for sale 3 Lower Howthat Cottages, Ruthwell, Dumfries

2 beds 1 bath House

Freehold

Added on 16/09/2026

About this property

Lounge

Accessed via UPVC double doors, the lounge is a bright and welcoming space, finished with laminate flooring and presented in neutral décor throughout. A central focal point is provided by a fireplace and hearth with inset multi-fuel stove, creating a cosy yet practical living area. Natural light flows in from windows to the front and side elevations, while a wooden staircase provides access to the first floor. The room offers a spacious and airy feel, making it ideal for everyday living and relaxation.

Key features

Two-bedroom end-terraced cottage with additional dormer-style double bedroom
Spacious and bright lounge with multi-fuel stove and dual aspect windows
Well-proportioned kitchen/dining room with integrated appliances
Ground floor bathroom with three-piece suite and electric shower over bath
Flexible ground floor room ideal as bedroom, nursery or home office
Dormer-style double bedroom with Velux windows and stunning countryside views
Large front garden with exceptional panoramic views towards coastline and surrounding hills
Ample parking to front and additional parking to rear of the property
Useful outbuilding with power and lighting, garden shed and additional wood store
EPC �" E | Council Tax Band �" B

Floorplan

Location

3 Lower Howthat Cottages, Ruthwell, Dumfries, DG1 4LZ

Open map Street View

Council tax: Band D (Approx £1,579/year)

Mortgage and LBTT

Property price £165,000

£82k £248k

Deposit10% £17,000

£0 £165k

Interest rate 4.5%

0.5% 15%

Repayment period 25 years

5 years 40 years

A £148,000 mortgage. Most lenders would want a household income of about £33,000 to support it.

A guide only, for a capital repayment mortgage. The rate you are offered and what you can borrow depend on your circumstances and a full application with a lender or broker. Your home may be repossessed if you do not keep up repayments on your mortgage.