{"id":821,"date":"2017-04-13T00:00:00","date_gmt":"2017-04-13T00:00:00","guid":{"rendered":"https:\/\/www.simplybusiness.co.uk\/knowledge\/articles\/nightmare-buy-to-let-flat-ownership-situations-and-how-to-avoid-them\/"},"modified":"2025-05-22T13:21:04","modified_gmt":"2025-05-22T13:21:04","slug":"nightmare-buy-to-let-flat-ownership-situations-and-how-to-avoid-them","status":"publish","type":"knowledge","link":"https:\/\/www.simplybusiness.co.uk\/knowledge\/buying-and-selling\/nightmare-buy-to-let-flat-ownership-situations-and-how-to-avoid-them\/","title":{"rendered":"How to avoid nightmare flat ownership situations (flat owners&#8217; top tips)"},"content":{"rendered":"<p class=\"wp-block-paragraph\">Flat ownership can be complicated, as there needs to be a way of managing ownership of the whole building as well as the individual flats within it. We\u2019ve spoken to a couple of owners who have run into problems, and put together some tips for avoiding similar nightmare scenarios.<\/p>\n\n<p class=\"wp-block-paragraph\">Whether you\u2019re buying a <a href=\"\/knowledge\/buying-and-selling\/what-is-the-difference-between-freehold-and-leasehold-property-ownership\/\" data-type=\"knowledge\" data-id=\"822\" >leasehold or a share of the freehold<\/a>, buying a flat means entering into a relationship with other owners in a way that freehold home ownership doesn\u2019t.<\/p>\n\n<ul class=\"wp-block-list\"><li class=\"wp-block-list-item\"><a href=\"\/knowledge\/buying-and-selling\/best-buy-to-let-areas\/\" data-type=\"knowledge\" data-id=\"1335\" ><strong>Best buy-to-let areas in the UK<\/strong><\/a><\/li>\n\n<li class=\"wp-block-list-item\"><a href=\"\/landlord-insurance\/faq\/is-buildings-insurance-a-legal-requirement\/\"><strong>Is buildings insurance a legal requirement?<\/strong><\/a><\/li>\n\n<\/ul>\n\n<p class=\"wp-block-paragraph\">In many cases, everything goes smoothly, but understanding the things that can go wrong can help you look for warning signals during the purchase process. And knowing the right questions to ask about the ownership and management arrangement can help you avoid big problems later down the line.<\/p>\n\n<p class=\"wp-block-paragraph\">This article provides general information and discusses some particular (and personal) scenarios. It is not legal advice and you should always seek professional help if you need it.<\/p>\n\n<h2 id=\"nightmareflatownershipscenariooneuselessfreeholder\" class=\"wp-block-heading\">Nightmare flat ownership scenario one: useless freeholder<\/h2>\n\n<p class=\"wp-block-paragraph\">My friend &#8211; let&#8217;s call her Sara &#8211; has a buy-to-let property, which is a leasehold flat in a small block. When she bought the property, she was a bit concerned about the expensive maintenance charges, which would eat into her rental profit. However, she really liked the flat and she went ahead with the purchase anyway.<\/p>\n\n<p class=\"wp-block-paragraph\">A while later, her tenants told her that the communal front door was broken and couldn\u2019t be locked properly. She went round and saw that besides the broken door, the communal areas were very dirty and had fallen into quite bad disrepair. She contacted the freeholder\u2019s managing agent to get this sorted, but the agent sent lacklustre emails in reply and failed to do anything.<\/p>\n\n<p class=\"wp-block-paragraph\">Sara was in a situation where she was paying a high monthly fee to a freeholder who didn\u2019t seem to be fulfilling their responsibilities. Problems with the communal areas were causing issues for Sara\u2019s tenants, and she was also concerned that the scruffy appearance of the building would make it more difficult to let the property again in the future.<\/p>\n\n\n<div id=\"nba-body-001\">\n<\/div>\n<p class=\"wp-block-paragraph\">The freeholder was breaking the conditions of their lease, but taking them to court seemed like a massive hassle, so Sara felt stuck.<\/p>\n\n<h2 id=\"nightmareflatownershipscenariotwoshareoffreeholddisagreements\" class=\"wp-block-heading\">Nightmare flat ownership scenario two: share of freehold disagreements<\/h2>\n\n<p class=\"wp-block-paragraph\">Another friend, &#8216;Max&#8217;, owns a share of freehold in an old house that\u2019s split into four flats. There\u2019s no management company &#8211; the freeholders just figure things out between themselves. Or that\u2019s the idea, anyway.<\/p>\n\n<p class=\"wp-block-paragraph\">When Max first bought his flat, he didn\u2019t even have the details for the other freeholders, and because they were all buy-to-let landlords and none of them lived at the property, he had to track them all down via their tenants.<\/p>\n\n<p class=\"wp-block-paragraph\">When the buildings insurance was due for renewal, Max paid the premium himself, and then got the other owners to pay him back. It wasn\u2019t ideal and involved some chasing, but they all paid. But then Max discovered a pile of electricity bills had been gathering dust in the communal hallway.<\/p>\n\n<p class=\"wp-block-paragraph\">It turned out that nobody had been paying the electricity for the lights in the hallway and the building\u2019s smoke alarm, and the electricity company were now threatening to gain entry to the property and disconnect the supply.<\/p>\n\n<p class=\"wp-block-paragraph\">When Max called the electricity company, they told him that if they went ahead with the disconnection, they\u2019d have to inform the council\u2019s environmental health department, who would then insist that any tenants were housed in <a href=\"\/landlord-insurance\/alternative-accommodation\/\">alternative accommodation<\/a> until the supply was reconnected. A disconnected supply would also mean a disconnected fire alarm, which would likely breach their leases and invalidate their <a href=\"\/landlord-insurance\/building-insurance\/\">buildings insurance<\/a>.<\/p>\n\n<p class=\"wp-block-paragraph\">When Max told the other owners, they were alarmed but reluctant to pay the bill. After all, a couple of them had only bought their flats recently, and they pointed out that the unpaid bills stretched back over several years. It was also difficult to find a way to pay the bills going forward.<\/p>\n\n<p class=\"wp-block-paragraph\">Setting up a managing company felt like a lot of work (and could mean all the leases needed amending) but opening a joint account in the names of all the owners would mean that everyone\u2019s credit records would be connected. The only other option was for one owner to agree to pay the bill, and for everyone to pay them back. Nobody wanted to do this.<\/p>\n\n<p class=\"wp-block-paragraph\">With the electricity company threatening to cut them off, Max was stuck. Short of paying the bill himself, he didn\u2019t know how to solve the issue.<\/p>\n\n<h2 id=\"avoidingthesenightmareflatownershipscenarios\" class=\"wp-block-heading\">Avoiding these nightmare flat ownership scenarios<\/h2>\n\n<p class=\"wp-block-paragraph\">So that you don\u2019t hit problems like these, do the following when you\u2019re viewing flats and going through the purchase process:<\/p>\n\n<h3 id=\"ifyourebuyingaleaseholdandnoshareoffreehold\" class=\"wp-block-heading\">If you\u2019re buying a leasehold (and no share of freehold):<\/h3>\n\n<ul class=\"wp-block-list\"><li class=\"wp-block-list-item\">Look at communal areas to make sure they\u2019re well-maintained.<\/li>\n\n<li class=\"wp-block-list-item\">Ask the estate agent (and other tenants if possible) what the freeholder or managing agent is like, and whether they tend to deal with problems promptly.<\/li>\n\n<li class=\"wp-block-list-item\">Make sure you\u2019re clear on how much the service charge and ground rent will cost, and how often it increases.<\/li>\n\n<li class=\"wp-block-list-item\">Ask about any upcoming building repairs or maintenance work that the leaseholders may have to contribute towards.<\/li>\n\n<li class=\"wp-block-list-item\">Make sure there\u2019s a decent number of years left on the lease. If not, ask about extending it as part of the purchase.<\/li>\n\n<li class=\"wp-block-list-item\">Check the lease to make sure you can rent out your part of the property, and to find out if you\u2019ll have to pay fees to do so.<\/li>\n\n<li class=\"wp-block-list-item\">When the purchase is going through, make sure you get the contact details of the freeholder and the managing agency.<\/li>\n\n<\/ul>\n\n<h3 id=\"ifyourebuyingashareofthefreehold\" class=\"wp-block-heading\">If you\u2019re buying a share of the freehold:<\/h3>\n\n<ul class=\"wp-block-list\"><li class=\"wp-block-list-item\">Find out how the building is managed. Have the owners set up a managing company? If not, how are communal expenses dealt with?<\/li>\n\n<li class=\"wp-block-list-item\">Find out how much the buildings insurance and communal bills cost each year, and how much freeholders are expected to contribute to the sinking fund.<\/li>\n\n<li class=\"wp-block-list-item\">If there\u2019s no managing company, make sure you have the names and contact details of all the other freeholders.<\/li>\n\n<li class=\"wp-block-list-item\">Make sure there aren\u2019t any outstanding communal bills. If there are, try to get the vendor to settle these as part of the purchase process.<\/li>\n\n<li class=\"wp-block-list-item\">Find out if there are any big repair or maintenance projects planned, that the freeholders will all need to pay for.<\/li>\n\n<li class=\"wp-block-list-item\">If there\u2019s no managing company, talk to your solicitor about whether it may be worth trying to set one up.<\/li>\n\n<\/ul>\n\n<p class=\"wp-block-paragraph\"><strong>Have you had any issues with your freeholder or with your share of freehold arrangements? Tell us in the comments.<\/strong><\/p>\n\n\n\t\t\t\t\t<div class=\"wp-block-group has-azure-200-background-color has-background has-global-padding is-layout-constrained wp-container-core-group-is-layout-94e519ba wp-block-group-is-layout-constrained\" style=\"padding-top:var(--wp--preset--spacing--80);padding-right:var(--wp--preset--spacing--40);padding-bottom:var(--wp--preset--spacing--80);padding-left:var(--wp--preset--spacing--40)\"><h3 id=\"getsetwithtailoredlandlordcover\" class=\"wp-block-heading has-text-align-center\">Get set with tailored landlord cover<\/h3>\n\n<p class=\"has-text-align-center wp-block-paragraph\">Over 200,000 UK landlord policies, a 9\/10 customer rating and claims handled by an award-winning team. Looking to switch or start a new policy? Run a quick <a href=\"\/landlord-insurance\/\" data-type=\"page\" data-id=\"1608\" >landlord insurance quote<\/a> today.<\/p>\n\n\n\t\t\t\t\t<div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-a89b3969 wp-block-buttons-is-layout-flex\">\n\t\t\t\t\t<div class=\"wp-block-button\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/quote.simplybusiness.co.uk\/landlord\">Start your quote<\/a><\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\n<div id=\"nba-body-end\">\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>We spoke to a couple of owners who ran into buy-to-let flat ownership problems. Read their tips for avoiding similar nightmare scenarios.<\/p>\n","protected":false},"author":3,"featured_media":26282,"comment_status":"open","ping_status":"closed","template":"","meta":{"sb_hreflang":"","sb_hreflang_url":"","disable_breadcrumbs":false,"sb_breadcrumbs":[],"sb_reviewed_by":"","sb_review_date":"","sb_enable_content_gating":true,"footnotes":""},"categories":[336,332,114],"hidden-category":[],"coauthors":[72],"class_list":["post-821","knowledge","type-knowledge","status-publish","has-post-thumbnail","hentry","category-business-structure","category-buying-and-selling","category-landlord-news"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.2 (Yoast SEO v27.2) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Nightmare buy-to-let flat ownership situations and how to avoid them<\/title>\n<meta name=\"description\" content=\"We spoke to a couple of owners who ran into buy-to-let flat ownership problems. 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