Hidden Risks When Buying a Leasehold in the UK
Service charges, section 20 works, cladding history, and managing-agent disputes — what leasehold buyers should verify early.
Published: 15 Apr 2026 · Updated: 15 Apr 2026 · 8 min read
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The lease is a contract, not an afterthought
Years remaining, ground rent formulas, and event fees can matter as much as the purchase price.
Major works and reserves
Ask for recent service-charge accounts, sinking-fund health, and any section 20 consultations in progress or planned.
Building safety
For flats in multi-occupancy buildings, understand what cladding or fire-safety investigations may still be active — mortgage lenders often ask before they lend.
Professional advice is essential for complex leaseholds.
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