Freehold cost components
Estimated premium components and professional-cost allowances.
Estimated cost
Freehold Purchase Cost Calculator
Model an early freehold purchase budget from property value, lease length, ground rent, valuation assumptions, and professional fees.
Budget estimate£16,048Premium plus selected professional costs
Estimated premium£9,048Current-style valuation
Cost as % of value5.3%
Lease-length sensitivity
How the estimated premium changes if the same assumptions are run at different lease lengths.
Premium
Valuation Estimate
Property typeFlat or maisonette
Ground-rent term value7.0% capitalisation rate£3,558
Freehold reversion value5.0% deferment rate£5,490
Marriage valueNot applied in this scenario£0
Estimated premium£9,048
Budget Allowances
Your professional fees£3,500
Landlord costs budgetedEntered landlord cost allowance£3,000
Other allowance£500
Estimated total budget£16,048
Broad premium rangeIllustrative valuation sensitivity£6,786 to £12,215
Key Assumptions
Lease years remaining82 years
Leasehold relativity£276,000 implied leasehold value92.0%
Ground rent usedUncapped input£250
Valuation basisCurrent-style estimate
Assumptions
Calculation notes
- This is an early budgeting estimate for leasehold enfranchisement, not a formal valuation or legal quote.
- Actual premiums can depend on lease terms, deferment and capitalisation evidence, relativity evidence, development value, intermediate interests, negotiation, tribunal outcome, lender requirements, and legal eligibility.
- Leasehold and Freehold Reform Act 2024 changes are being commenced in stages and valuation-rate details may require secondary legislation. Use the reform scenario as a comparison until your adviser confirms the applicable rules.
- For a live transaction, instruct a specialist leasehold valuer and conveyancer.
Guide
How to use the Freehold Purchase Cost Calculator
Model an early freehold purchase budget from property value, lease length, ground rent, valuation assumptions, and professional fees. It is useful for screening property costs, affordability, yield, or renovation assumptions because it keeps inputs, charted outputs, notes, and related next steps on the same page.
Start by checking property type, estimated freehold value, lease years remaining, current annual ground rent, ground rent growth assumption, and valuation basis. The results update as assumptions change, so you can compare scenarios before downloading a CSV report.
Inputs
Inputs to check
- Property type: Choose the option that best matches the case you are modelling.
- Estimated freehold value: Use the estimated value if the property had a long lease or freehold title.
- Lease years remaining: Enter the value years you want to test.
- Current annual ground rent: Enter the value you want to test.
- Ground rent growth assumption: Set to 0 for a fixed ground rent estimate.
- Valuation basis: Use the reform scenario as a comparison only while reforms are still being commenced.
FAQs
Freehold Purchase Cost Calculator FAQs
What is the Freehold Purchase Cost Calculator for?
Model an early freehold purchase budget from property value, lease length, ground rent, valuation assumptions, and professional fees. Use it when you want a quick, editable estimate with charted results and visible assumptions.
Which assumptions should I check first?
Start with property type, estimated freehold value, lease years remaining, current annual ground rent, ground rent growth assumption, and valuation basis. Then review the calculation notes for anything the tool does not include.
Are the results exact?
The result is a planning estimate, not mortgage, tax, surveying, or legal advice. Confirm important property decisions with a lender, conveyancer, adviser, or official guidance.
Can I keep or compare the result?
Yes. Use the Download CSV button on the calculator page to export the current inputs, headline results, detailed rows, chart data, insights, and notes.
What should I try next?
Try Mortgage Affordability Calculator, Cost per Square Foot Calculator, and Renovation Budget Calculator next. These tools are linked because they use related assumptions or answer the next practical question.