Leasehold Cost Calculator

Understand the true cost of leasehold ownership with service charges and ground rent

Property & Cost Details

Property Price
£
£
Mortgage Rate
%
Mortgage Term
Service Charge
£
per month
Ground Rent
£
per month
Annual Cost Increase
%
Projection Years

Cost Analysis & Projections

Enter property details to calculate leasehold costs

Service Charges

Ongoing costs for building maintenance, repairs, cleaning, lighting, and communal areas.

Typical range: £200-£600 per month depending on property size and location.

Can increase annually - check lease terms for caps and justification requirements.

Ground Rent

Payment to the freeholder for the right to occupy the property. Often small but can double periodically.

Modern leases: £50-£200 per year. Older leases may be higher.

Check for "doubling clauses" and consider lease extension costs.

Leasehold Considerations

Additional costs beyond mortgage payments. Service charges and ground rent can significantly impact affordability. Consider lease extension costs and freehold purchase options. Always have lease checked by solicitor before purchase.

Important Information

This calculator provides estimates based on the information you provide. Actual costs may vary based on your specific lease terms, building management, and annual increases.

Service charges and ground rent can increase over time. Always check your lease for escalation clauses, caps on increases, and your rights as a leaseholder.

Consider the total cost of leasehold ownership including potential lease extension costs. Freehold ownership eliminates many of these additional costs.

Always consult with a solicitor and leasehold specialist before purchasing a leasehold property.