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ROT: Estate Rent Charge greater than £500 PA (Plus Lender)

Change date
17/11/2025
Word count
147
Deployment measure
7/10
Rationale

Draft wording explaining that if the estate rent charge exceeds £500 per year, lenders may view it as a risk—potentially leading to extra checks, lending restrictions, or refusals—which could also affect the property’s future resale value and mortgageability.

Where the annual estate rent charge exceeds £500, this may give rise to issues under the UK Finance Mortgage Lenders’ Handbook. Many lenders apply additional scrutiny to rent charges above …

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