Questions?

We'd like to make sure you fully understand every aspect of a Life Tenancy investment before committing. 

Below you will find our most frequently asked questions. 


Yes, the properties are registered with the Land Registry and yes, you are listed as the owner of the property on the title deeds. The Life Tenancy arrangement includes a Lifetime Lease which is registered at Land Registry and falls away when the Life Tenancy ends.

The property will be independently valued by a RICS registered surveyor prior to being offered for sale.

No, but we can provide you with a copy of the recent RICS valuation at your request.

Before entering into a Lifetime Lease, the Lifetime Owner is required to seek independent legal advice from their solicitor. This solicitor is required to sign a certificate declaring that the Lifetime Owner fully understands the implications of the Life Tenancy and they’re happy it’s the right option for them. You will receive a copy of this certificate in your contract.

No, you don’t need to be regulated in order to purchase a Life Tenancy investment property. A Life Tenancy Investment is not a regulated activity because it is a property transaction, not a financial one. It’s not a loan, mortgage or home reversion plan and there are no repayments, rent or interest charged.

Yes, they can. Under the Life Tenancy, they are able to move at any time. They will be responsible for all sale, purchase and legal costs associated with the move so there will be no cost to you.

You are required to act reasonably in your consideration of the property. If the property is unsuitable due to its condition, legal title or suitability for a Life Tenancy, then you may refuse the purchase.

Simply put, no you can’t. Life Tenancy investments can only be purchased using cash.

No, the Lifetime Owners do not pay any rent; however, they are responsible for all maintenance and upkeep costs until the Life Tenancy ends.

Yes, you’re free to sell your investment at any time. You’ll need to ensure that you adhere to the terms set out in the contract, as will the purchaser of your investment.

If the Lifetime Owners have safeguarded a percentage of the property’s agreed value, this will be passed to them or to their estate. You will have two options: either sell the property and pay the amount due from the net proceeds; or, pay the amount due and thereby retain the property.

The Lifetime Owners have the right to sell some or all of their safeguarded percentage at any time, should they choose to. You’ll be given the first refusal to purchase their share, but you’re not obligated to do so. The share will be sold at the discounted rate described in the Life Tenancy contract.

Yes, but only once the Lifetime Lease has ended. It’s your property to use as you see fit from this point on. In cases where the Lifetime Owners have safeguarded a percentage of the property’s future value, you would need to purchase the remaining share from the Lifetime Owners or their estate first.

You’re entitled to visit the property once every three years at a time and date that is convenient to the Lifetime Owners, or sooner if needed. This is all taken care as part of the Property Management package, as it’s important that the Lifetime Owners are left to live peacefully and securely in their home.

No, you can’t. For the duration of the Life Tenancy, the property is the Lifetime Owners home and it’s their decision as to whether or not they wish to make any changes to the property. They will have to seek your approval for any and all structural changes to the property.

Peoples’ needs change as they get older so the Life Tenancy does allow other people to live in the property alongside the Lifetime Owners providing the y sign a legal waiver confirming that they will vacate the property once the Life Tenancy ends. The Lifetime Owners are also required to indemnify you against any costs should they fail to do so. The Lifetime Owners cannot move out, rent or sublet the property.

More questions?