Leasehold True Cost Calculator UK 2026

Compare leasehold vs freehold

Enter your leasehold property details and we'll calculate 10 years of total costs compared to an equivalent freehold.

🏢 Leasehold Property Details

Purchase price

Years remaining on lease

yrs

💷 Annual Running Costs

Service charge annual

Ground rent 0 for post-2022 leases

Service charge annual increase

Buildings insurance usually in service charge

🔧 One-Off Leasehold Costs

Management pack fee on purchase

Notice of transfer fee on purchase

Notice of charge fee if using a mortgage

Will you extend the lease?

🏡 Equivalent Freehold (for comparison)

Freehold property price comparable property in same area

Leasehold — 10yr total cost

£0

Purchase price + all running costs

Freehold — 10yr total cost

£0

Purchase price + maintenance only

Leasehold costs you extra over 10 years:

£0

Cost item	Leasehold	Freehold	Difference

Service charge (London)£3,000–6,000/yr

Service charge (outside London)£1,500–3,500/yr

Ground rent (pre-2022 leases)£100–500/yr

Lease extension cost£5,000–30,000+

Management pack (on purchase)£200–500

Notice fees (on purchase)£100–400

Deed of covenant£100–300

Major works bills — leaseholders can be hit with unexpected £5,000–50,000+ bills for building repairs
Escalating service charges with limited oversight
Lease below 80 years dramatically increases extension cost (marriage value kicks in)
Lease below 70 years means most lenders won't mortgage it
Freeholder can charge permission fees for subletting, pets, or alterations
Building insurance controlled by freeholder — you can't switch