If you'd like to dive deeper into how to protect yourself, tell me if you want to see:
Potential buyers vanished. Most lenders refused to offer mortgages on properties with less than 75–80 years remaining, fearing the dwindling security. Mark and Sarah found themselves "lease-locked"—trapped in a home they couldn't easily sell, paying rising ground rents to a freeholder they had never met, for a building they realized they didn't truly own. They had bought a home, but they had really just purchased a very expensive, long-term tenancy. risks buying leasehold property
to look for in a lease agreement (e.g., doubling ground rent) Steps for extending a lease before it hits the 80-year mark The difference between Leasehold and Commonhold structures If you'd like to dive deeper into how
The real crisis hit three years later when they decided to sell to move closer to Sarah's new job. Their mortgage advisor dropped a bombshell: because the lease had now dipped below 80 years, the property had hit the "marriage value" zone. Extending the lease would now cost tens of thousands of pounds because the freeholder was entitled to 50% of the "profit" the extension would add to the property's value. They had bought a home, but they had