Prepare the file
Leasehold mortgage evidence
The lease is the security. Remaining years, how ground rent changes, and who manages the block are the questions to answer before a valuation.
What this page will not do
- Extending a lease has a cost and a process. This page does not estimate the premium.
- Marriage value and statutory extensions are legal topics for a conveyancer.
- It will not name a lender, a product, or an approval chance.
Questions
- What lease length is safe?
- There is no safe figure on this page. Lenders differ, and the lease wording matters.
- Is freehold always simpler?
- Freehold has its own issues. Use the freehold page if that is the tenure.
MortgageConnector provides free mortgage research and calculators. If you want personalised advice, we can introduce you to an FCA-authorised mortgage broker. We do not provide regulated mortgage advice ourselves.
The matching service is free for you. Partner brokers pay MortgageConnector for introductions. If you ask for an introduction, the details you submit are shared with the selected partner. The broker is responsible for regulated advice. Check the firm on the FCA Register.
Your home may be repossessed if you do not keep up repayments on your mortgage.
Want a broker to look at your own numbers?
An FCA-authorised broker can look at your income, credit and the property. MortgageConnector will introduce you. We do not recommend a mortgage.
Speak to a broker experienced with leasehold