4 The Loan, Lauder

4 The Loan in Lauder is an early 19th-century terrace of three 2-storey cottages, with minor alterations. Cottages 1 and 3 have three bays, while cottage 2 has two bays. Cottage 1 features finely coursed whinstone rubble, except for the east elevation which is harled; cottages 2 and 3 are entirely harled, all with painted ashlar dressings and architraved openings.

The north (principal) elevation shows cottage 1 on the left with a symmetrical double-fronted design. It has a central entrance with a flat consoled hood and a plain timber door, flanked by windows on each floor and one above. The roof has coped skews. Cottage 2, to the right, has an entrance with a panelled timber door to the right and two windows to the left on each floor, also with a coped skew. Cottage 3 is double-fronted with an entrance to the right of centre, featuring a panelled timber door with a glazed upper panel. It has an inserted garage entrance to the left and an enlarged window to the right, along with three smaller windows on the first floor, the central one being to the left of the entrance.

The south elevation has rear wings added to cottages 1 and 2. The east elevation shows a harled gable end for cottage 1 on the right, with a single window to the left on each floor. An adjoining single-storey and loft harled ancillary range to the left has two ground floor entrances and an inserted garage entrance in between, along with a piended-roofed pitching/loading door to the loft. There is a triangular flight hole to the gable end on the left return, and a small piended-roofed extension below.

The west elevation adjoins No 4 The Loan. Cottage 1 features 4-pane timber sash and case windows on the principal elevation, cottage 2 has 12-pane timber sash and case windows, while cottage 3 has UPVC replacements. The roofs are covered with grey slate, and there are harled ridge stacks on either side of cottage 1, with a single harled ridge stack on the east side of cottages 2 and 3, topped with round cans. The interiors have not been inspected since 1998.