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Your Lease

Your Lease

Your lease is a legal agreement between you and Together Housing (as your Landlord)

It outlines the term that the lease has been granted for (99 years, 125 years, 999 years etc) and what each party to the lease is responsible for during this period in terms of repairs, maintenance etc and also what services Together Housing provide within your service charges. There is also a plan to accompany your lease which shows the boundaries of your property (or Demise as it is sometimes referred to) and should be used in conjunction with your lease to understand the areas of responsibilities.

If you do not have a copy of your lease or plan, please refer either to your solicitors who acted on your behalf when you purchased the property, or refer to land registry to obtain a copy:

https://www.gov.uk/government/organisations/land-registry

Alternatively, we can provide a copy for which there is a charge applicable.

We appreciate that some leases can be difficult to understand and so we have provided a basic outline below of the various lease types within our organisation for general guidance. However, please note that your own lease is unique to your property and is therefore the prevailing document to any guidance provided.

Leases for flats

As the landlord, Together Housing is usually responsible for the maintenance and repair of the structure of the building and for the communal areas.  We would also usually be responsible for the maintenance of any elements which serve more than just your own property, for example, communal doors, fire alarms, communal lighting etc.

If there are communal areas, then we would usually be responsible for the maintenance of these areas too such as cleaning, lighting, decoration, grounds maintenance etc and we would recover your proportion towards these costs (as outlined in your lease) within your Service Charges

Generally, leaseholders are responsible for the maintenance, repair and upkeep of the inside of the property including the internal faces of walls.  The repair and maintenance of doors and windows to the flat can vary from lease to lease.  Please refer to your lease in the first instance, but if you are still unsure, please contact us for further advice.

Sub-letting for all leaseholders who own 100% equity is usually permitted within your lease but you may require our written permission first.  Please check your lease for any requirements.

Right to Buy lease guidance

The Leasehold Advisory Service (LEASE) is an independent, impartial organisation which assists leaseholders with any lease-related issues.  They provide guidance online in Plain English for leaseholders to gain some understanding of each element of a standard council Right To Buy lease:

https://www.lease-advice.org/advice-guide/right-buy/

Leases for houses

Under a house lease, the leaseholder is responsible for 100% of the outgoings relating to the property and to keep the property in good and substantial repair and condition.

Whilst you may own your home outright, there may be some restrictions on your title which requires you to contribute to various costs on the estate, or various requirements for us to provide consents (again these are outlined with any lease or Transfer document you were provided with when you purchased the property).

The lease will specify any charges due to the landlord for the maintenance and repair of any communal areas.  As your landlord we would recover a proportion (as outlined within your lease) towards these costs from you within your Service Charges.

Sub-letting for leaseholders who own 100% of the house is usually permitted within your lease but you may require our written permission first.  Please check your lease for any requirements.

Shared Ownership Leases for Flats

Under a shared ownership lease, the Leaseholder buys a ‘share’ of the property and pays rent on the remaining share of the property (which remains in the ownership of the Landlord).

The Leaseholder can buy further shares in the property (up to the Maximum Percentage in Protected Areas) at the market value of those shares at the time of purchase.  Buying further shares is referred to as ‘staircasing’.  As the Leaseholder buys further shares, the rent will be reduced proportionately to reflect the fact that the Landlord’s interest in the property has reduced.  If you would like to enquire about purchasing further shares in your property, please contact the Sales Team.

Although initially the property is not owned outright, the Leaseholder does have full repair responsibilities within the flat and generally the Landlord will have repair and maintenance responsibilities for any communal areas and for the structure of the building as outlined within the lease.  The leaseholder’s contribution towards these costs (as outlined in their lease) is then recovered within the Service Charges.

The leaseholder is not permitted to sub-let the property until they have staircased to 100% ownership of the property.   

Shared Ownership Leases for Houses

Under a shared ownership lease, the Leaseholder buys a ‘share’ of the property and pays rent on the remaining share of the property (which remains in the ownership of the Landlord).

The Leaseholder can buy further shares in the property (up to the Maximum Percentage in Protected Areas) at the market value of those shares at the time of purchase.  Buying further shares is referred to as ‘staircasing’.  As the Leaseholder buys further shares, the rent will be reduced proportionately to reflect the fact that the Landlord’s interest in the property has reduced.  If you would like to enquire about purchasing further shares in your property, please contact the Sales Team.

Although initially the property is not owned outright, the Leaseholder does have the normal responsibilities of a full owner.  This means, for example, that the Leaseholder will be obliged to pay 100% of the outgoings relating to the property and to keep the property in good and substantial repair and condition.

The leaseholder is not permitted to sub-let the property until they have staircased to 100% ownership of the property.  

Leasehold Schemes for the Elderly - Flats

Leases under the ‘Leasehold Scheme for the Elderly’ scheme are offered as shared ownership but have age restrictions outlined in the lease to ensure that older people have the opportunity to buy properties in the area at an affordable price.

Under a shared ownership lease, the Leaseholder buys a ‘share’ of the property and pays rent on the remaining share of the property (which remains in the ownership of the Landlord).

The Leaseholder can buy further shares in the property at the market value of those shares at the time of purchase.  Buying further shares is referred to as ‘staircasing’.  As the Leaseholder buys further shares, the rent will be reduced proportionately to reflect the fact that the Landlord’s interest in the property has reduced.  These properties are often capped at 75% as the maximum percentage that the Leaseholder can purchase (please refer to the lease restrictions as these can vary), with no rent payable on the remaining 25% that the landlord owns.  This restriction is in place to ensure that this housing type remains affordable to people of this age group.  If you would like to enquire about purchasing further shares in your property, please contact the Sales Team.

The lease for this property type will stipulate that the landlord must provide a warden call monitoring service throughout the term of the lease.  The warden call service is a monitoring system in your home connected to your landline telephone which connects to an agency if the button on the system or the pendant is pressed.   This is provided to ensure that older leaseholders are able to reach assistance in emergency situations.  The service is provided by the landlord with the costs recovered through your service charges.  It is important that leaseholders keep their records up to date with your landlord so that we can ensure that the monitoring agencies have your current medical and next of kin details to assist as best they can in an emergency.

Please click here to download the Personal Information Form, once complete email it to THG.leasehold@togetherhousing.co.uk.

Please note that the warden call system remains within the property’s ownership, so if you sell the property, the system must remain in the property for the next owner.

Although initially the property may not be owned outright, the Leaseholder does have full repair responsibilities within the flat and generally the Landlord will have repair and maintenance responsibilities for any communal areas and for the structure of the building as outlined within the lease.  The leaseholder’s contribution towards these costs (as outlined in their lease) is then recovered within the Service Charges.

The leaseholder is not permitted to sub-let the property under the terms of the lease.

Leasehold Schemes for the Elderly - Houses

Leases under the ‘Leasehold Scheme for the Elderly’ scheme are offered as shared ownership but have age restrictions outlined in the lease to ensure that older people have the opportunity to buy properties in the area at an affordable price. 

Under a shared ownership lease, the Leaseholder buys a ‘share’ of the property and pays rent on the remaining share of the property (which remains in the ownership of the Landlord).

The Leaseholder can buy further shares in the property at the market value of those shares at the time of purchase.  Buying further shares is referred to as ‘staircasing’.  As the Leaseholder buys further shares, the rent will be reduced proportionately to reflect the fact that the Landlord’s interest in the property has reduced.  These properties are capped at 75% as the maximum percentage that the Leaseholder can purchase, with no rent payable on the remaining 25% that the landlord owns.  This restriction is in place to ensure that this housing type remains affordable to people of this age group.  If you would like to enquire about purchasing further shares in your property, please contact the Sales Team.

The lease for this property type will stipulate that the landlord must provide a warden call monitoring service throughout the term of the lease.  The warden call service is a monitoring system in your home connected to your landline telephone which connects to an agency if the button on the system or the pendant is pressed.  This is provided to ensure that older leaseholders are able to reach assistance in emergency situations.  The service is provided by the landlord with the costs recovered through your service charges.  It is important that leaseholders keep their records up to date with your landlord so that we can ensure that the monitoring agencies have your current medical and next of kin details to assist as best they can in an emergency.

Please click here to download the Personal Information Form, once complete email it to THG.leasehold@togetherhousing.co.uk.

Please note that the warden call system remains within the property’s ownership, so if you sell the property, the system must remain in the property for the next owner.

Although initially the property may not be owned outright, the Leaseholder does have the normal responsibilities of a full owner.  This means, for example, that the Leaseholder will be obliged to pay 100% of the outgoings relating to the property and to keep the property in good and substantial repair and condition.

The leaseholder is not permitted to sub-let the property under the terms of the lease.

Home Ownership for people with Long-term Disabilities

Home Ownership for People with Long-Term Disabilities (HOLD) can help you buy any home that’s for sale on a Shared Ownership basis if you have a long-term disability.

You can only apply for HOLD if the properties available through the other home ownership schemes don’t meet your needs, ie, you need a ground-floor property. Please contact our Sales Team for further advice if you would like to enquire about purchasing through this scheme (link to ‘Contact the Sales Team’).

The scheme works on the same basis as our shared ownership schemes. Please access ‘Shared Ownership Leases for Flats’ or ‘Shared Ownership Leases for Houses’ for an overview of the scheme applicable to your property.

Contact the Home Ownership Team

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