Flat & Apartment Mortgages
Expert guidance on leasehold properties, service charges, cladding issues, and competitive flat mortgages
What do I need for a flat or apartment mortgage?
Flat mortgages require minimum 80-year lease length (ideally 85+), satisfactory service charge accounts, EWS1 certificate for buildings over 11 metres, and freeholder compliance with building safety requirements. Lenders assess lease terms, ground rent levels, and cladding status. Share of freehold arrangements are preferred over standard leasehold.
How do flat mortgages work?
Flat mortgages require at least 80 years remaining on the lease, EWS1 certificates for taller buildings, and acceptable service charges. Lenders check ground rent levels and freeholder compliance. Your Home Finance navigates leasehold complexities to find the right lender for your flat purchase.
Key Benefits
Why choose flat and apartment living
More affordable entry point onto the property ladder compared to houses
Prime city centre locations with excellent transport links and amenities
Reduced maintenance responsibilities with service charges covering communal areas
High rental yields in city centres make flats ideal for buy-to-let investment
Expert Tips & Insights
Everything you need to know about flat mortgages
Frequently Asked Questions
Get answers to common flat mortgage questions
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