A flat held freehold rather than on a lease. Title, rights, building responsibility and lender policy can make it more complex than the phrase alone suggests.
A flat held freehold rather than on a lease. Title, rights, building responsibility and lender policy can make it more complex than the phrase alone suggests.
Equity release may involve a lifetime mortgage, secured against your property, or a home reversion plan. It will reduce the value of your estate and impact funding long-term care.
This entry follows Provider criteria, dated example only. It is a plain-English explanation of how the term is used in the UK, not a quotation, and it does not override a provider’s own wording.
Checked 7 September 2026. The whole vocabulary sits on one page, so you can look up two words in the same sentence without going anywhere: see this entry in the full glossary.
Equity release and a flying freehold
Find out which of three things you have, then what is assessed about it.
Read the guide called Equity release and a flying freehold →Equity release may involve a lifetime mortgage, secured against your property, or a home reversion plan. It will reduce the value of your estate and impact funding long-term care.
These guides use the term. Each line is quoted from the page it links to.
“People are told they own a freehold flat when they own a share of freehold, and those get opposite answers.”
Equity release and a flying freehold →“A freehold flat is a different thing from a share of freehold, and the two get confused constantly.”
Equity release with a short lease: rule and myth →Each of these either appears in the definition above, or names this term in its own.
Short answers to the things that come up most. None of it is advice, and every figure on this page carries its source.
A flat held freehold rather than on a lease. Title, rights, building responsibility and lender policy can make it more complex than the phrase alone suggests.
It follows one provider's dated published criteria. It is a plain-English explanation of how the term is used in the UK rather than a quotation, and it does not override a provider's own wording, the conditions of a plan you hold, or advice from your solicitor.
On the guide "Equity release and a flying freehold", which helps you find out which of three things you have, then what is assessed about it. A glossary entry explains a word. The guide works through what it actually means for a decision, with its sources and the date each was checked.
No. There is nothing on this page to fill in and nothing is collected by reading it. Looking up what a word means is not a decision, and we are not able to advise you about your own circumstances in any case.
Equity release may involve a lifetime mortgage, secured against your property, or a home reversion plan. It will reduce the value of your estate and impact funding long-term care.
One qualified equity release adviser. They will go through your figures and tell you if there is a better answer. It costs nothing and commits you to nothing.
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