It’s tough out there for renters.

But if you’re sick of lining someone else’s pockets while dreaming of owning your own little slice of Cork city, a cottage for sale at €145k could offer a chance to get on the property ladder without needing a lottery win.

With one mezzanine bedroom and one bathroom, 31 Evergreen Street is for sale. While it needs some work, it does have a modern kitchen and a characterful double-height original stone wall, as well as a small lounge.

There’s also an outdoor deck just big enough for a sun lounger or two and a small flower or veggie garden.

For a first-time buyer with a 35-year mortgage and a €14,500 deposit, the monthly repayments would come to around €650 per month, which is roughly the cost of renting a double room in the city at the moment.

“This unique property oozes charm and character and while in need of some modernisation will appeal to both first-time buyers and investors alike.” says estate agent John Barry of Frank V Murphy & Co.

“The ground floor consists of a living/dining/kitchen area with a shower room and access to an enclosed south-facing yard. Upstairs, there is a bedroom area with a large south-facing window.

“No.31 is convenient to the South Mall, Cork College of Commerce, UCC, Tyndall Institute, The English Market, Marina Market and public transport is also easily accessible with Kent Train Station and Parnell Bus Station situated close by.”