OKAY, so not many of us are feeling particularly flash with our cash at the moment.

However, those looking to spend some of it on a new home will find plenty of opportunities in the housing market, including first-time buys, family homes and bungalows – all for under £200,000.

Pink has a two-bedroom modern townhouse in St Barnabas Close, York, priced at £146,950.

Tastefully decorated within a cul-de-sac, it boasts an entrance hall, a living room with a fireplace and a gas fire, a dining kitchen with fitted units and a bathroom with a modern suite.

There is also a lawned garden, a storage shed and a long driveway for parking.

If you want your first purchase to be a family house, Ashtons has a three-bedroom detached home in Hendon Garth, Rawcliffe, York.

Priced at £164,950, it has been much improved by its owners and features a modern luxury kitchen, a large conservatory and a superb rear garden.

There is also a living room, a dining room and a bathroom.

Churchills has a two-bedroom mid-townhouse for £114,995 – priced for an early sale.

This spacious home in Moore Avenue, Hull Road, is close the city centre and the University of York and includes an entrance hall, a lounge with an Adams-style fireplace, a large dining kitchen with modern fitted units and a built-in hob and oven, a bathroom/WC with a three-piece white suite and a shower, front and rear gardens and off-street parking.

Meanwhile, Coalters has a three-bedroom semi-detached in Lavender Grove, Boroughbridge Road.

Priced at £179,950, it offers an impressive kitchen diner, a spacious rear garden and a conservatory.

Other features include an entrance hall, a lounge with a fireplace and a living flame gas fire, a utility area and a bathroom with a white three-piece suite, a gravelled front garden and off-street parking.

Coalters also has a three-bedroom end terrace for £139,995.

With field views, extensive double glazing and lawned gardens, this home in Springfield Close, Stockton Lane, boasts a spacious lounge/dining room, a kitchen with a built-in electric oven and a gas hob, a bathroom and a separate WC.

Next, Bairstow Eves has a two-bedroom end terrace in Cinder Mews, Leeman Road, York.

Priced at £145,000, it offers views across fields to York Minster, an attached garage, an entrance hall, a lounge with a staircase to the first floor, a kitchen with wall and base units, work surfaces, a built-in electric oven, a gas hob and a bathroom with a white three-piece suite.

There is also a paved front garden and a rear garden with walled surrounds, lawn and planted borders.

If you would prefer a bungalow, then Naish has one with two bedrooms, gas central heating, a refitted kitchen and lawned gardens in Brockfield Park Drive, Huntington. It is priced at £150,000.

Further out of York, Redmove has a two- bedroom semi-detached house in Beech Park Close, Riccall, priced at £123,500.

As well as a modern fitted kitchen, a garage and ample off-street parking, it includes gas central heating, double glazing and a burglar alarm.

The sitting room is decorated in neutral tones with a gas fire and there is a bathroom with a three-piece white suite.

There are front and rear gardens too.