Don't get caught out by hidden clauses, doubling ground rents, or short lease terms . Use our free tools to analyse risks and understand your rights
Use our free tools to understand your situation and spot where you may be paying too much.
Ask questions in plain English. Get clear explanations of lease terms trained on the Leasehold Reform Act and Housing Act.
Ask Analyst →Check if you are at risk of 'Onerous Rent' friction or mortgage complications — with a full projection of future costs.
Check My Risk →Estimate lease extension cost under current rules, and see an illustrative scenario showing how a proposed ground rent cap might affect term value
Estimate Extension →A comprehensive checklist for flat buyers. Ensure your solicitor asks the critical questions before you exchange contracts.
Get Checklist →You own the right to live in the property for a set number of years, but the freeholder owns the land and building. Common for flats across England and Wales.
Ground rent is an annual charge paid to the freeholder. Rent above £250/year (outside London) / £1,000/year (Greater London) can cause mortgage and resale complications, and some leases allow it to double every 10–25 years.
Most lenders won't mortgage a flat with fewer than 70 years remaining. Once below 80 years, extension costs rise sharply. If you're under 90 years, consider extending now.
Yes. Under the Landlord and Tenant Act 1985, charges must be reasonable. You can apply to the First-tier Tribunal (Property Chamber) to dispute unreasonable bills.
It aims to make lease extensions cheaper, ban new leasehold houses, and cap ground rents. Changes are being phased in through 2025–2026 — our tools are updated for the latest proposals.
Check lease length, annual ground rent, service charge history, planned major works, and building safety certificates. Our Buyer's Checklist covers everything your solicitor should ask.