My Plan/Fitness Centre
Training Session · Beginner · 8–10 min+40 Mortgage Fitness Unlocks: Property Foundations badge

Leasehold vs Freehold

Understand what you're really buying before you make an offer. The difference between owning the land and leasing it can save you thousands.

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Not every property is the same thing on paper.

Some buyers own the property and the land beneath it. Others own the property but lease it from a freeholder for a fixed number of years. Both are completely normal — what matters is knowing which one you're buying.

Compare freehold vs leasehold

See how lease length changes value

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Financial Fitness for Home Ownership

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Company details: Getting Your Mortgage Ltd. Registered office: 167-169 Great Portland Street, 5th Floor, London, W1W 5PF, United Kingdom. ICO registration: ZC177396.

Regulatory status: GYM provides Mortgage Fitness guidance only and is not itself authorised by the Financial Conduct Authority to give regulated mortgage advice. Any regulated mortgage advice is provided by FCA-authorised advisers we introduce you to, after a full fact-find. The Mortgage Fitness Score is for guidance only and is not a mortgage offer, decision in principle or guarantee of approval.

Your home may be repossessed if you do not keep up repayments on your mortgage.

Think carefully before securing other debts against your home. Buy-to-let mortgages and some forms of commercial or overseas lending are not regulated by the Financial Conduct Authority.

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Alternative Routes to Buying

Leasehold vs Freehold · 9 min · +40 XP