Skip to main content

Home > Topics > Retirement Housing

FAQs on Retirement Housing

20 questions
I’ve inherited a flat with a short lease. Can I extend it?

If the deceased was a qualifying tenant under the law, you would have the right to extend the lease within two years of the grant of probate or letters of administration.

The deceased would be a qualifying tenant, if their lease was more than 21 years when originally granted and they had been the registered owner of the flat for 2 years before their death.

Alternatively it may be possible to extend the lease informally by agreement with the landlord. If you are informally negotiating there are no rules and so you cannot insist on the landlord agreeing to grant an extension. All you can do is to negotiate.

Lease extension can be a difficult process. We recommend you get professional help from a solicitor and surveyor with experience in this area.


More information you might find useful:

Still not found the answer?

Contact LEASE to have your enquiry dealt with by one of our experienced advisers

Are family members responsible for the service charge costs of the deceased leaseholder?

The first thing to note is that the service charge debt is owed by the estate of the deceased leaseholder therefore any claim for service charges or ground rent would have to be presented to the executors of the estate. Sometimes, family members of the deceased offer to settle the debt in advance of probate being obtained and then reclaim the expenses from the estate. There is no obligation on family members to do this and therefore it is a matter for negotiation between the landlord and family members.


More information you might find useful:

Still not found the answer?

Contact LEASE to have your enquiry dealt with by one of our experienced advisers

Is it legal to limit retirement properties to over 55s?

At present there is no legislation limiting or preventing landlords of retirement properties from applying age restrictions to their tenancies. It must be noted that such properties are built specifically for people who require assisted living and it is often viewed that it will be contrary to the ethos and purposes of the community living within the development if other people are allowed to live there.


More information you might find useful:

Still not found the answer?

Contact LEASE to have your enquiry dealt with by one of our experienced advisers

I am buying a retirement property. What should I look out for in the lease?

Leases of retirement properties are slightly different to other leases because these developments are built specifically to meet the needs of the elderly who wish to live independently but within a sheltered community. Typically, retirement leases will have clauses limiting the age, category of persons and restricting who the property can be sold or sublet to. The lease may also provide for a resident warden system/caretaker or house manager’s flat which you may have to pay for. They also often contain exit fee clauses which apply at the time of sale or subletting.

When you buy the property it is extremely important that your solicitor explains what the clauses in your particular lease mean because it is very difficult to vary retirement leases afterwards.


More information you might find useful:

Still not found the answer?

Contact LEASE to have your enquiry dealt with by one of our experienced advisers

Can I sublet my retirement flat if I can’t sell it?

The terms of your lease will determine whether you can sublet your flat. If your lease allows you to sublet, it may have conditions attached to it. Most retirement properties will limit the category of persons that you can sublet it to e.g. you can only sublet to over 55’s. Some leases may require you to get the landlord’s consent before subletting and your landlord may require you to pay a consent fee. The reasonableness of a consent fee can be challenged as an administration charge at the First-tier Tribunal (Property Chamber).


More information you might find useful:

Still not found the answer?

Contact LEASE to have your enquiry dealt with by one of our experienced advisers

What is an exit fee?

An exit fee (sometimes referred to as a transfer fee) is a charge that under the terms of the lease is levied by a landlord at the point of sale of a retirement property.

The obligation to pay these fees is normally fixed by the covenants in the lease. The method of calculating these fees are also fixed by the covenants in the lease.

There is no legislation governing exit fees as this is a private contract entered into by both parties.

A report published by the Office for Fair Trading found these terms to be unfair and set out a number of general principles that all landlords should comply with.


More information you might find useful:

Still not found the answer?

Contact LEASE to have your enquiry dealt with by one of our experienced advisers

Can I challenge my exit fee as an unfair contract term?

At present it is extremely difficult to challenge exit fees because they are not legally classified as a “service charge” or an “administration charge”. Therefore  you cannot make an application to the Tribunal to determine cases relating to exit fees.

However, the Office of Fair Trading (OFT) undertook an investigation on whether exit fees are an unfair contract term under the Unfair Consumer Contract Terms Regulations 1999 (UCCTR 1999). It is worth noting that UCCTR 1999 does not apply to leases entered into BEFORE July 1995.


More information you might find useful:

Still not found the answer?

Contact LEASE to have your enquiry dealt with by one of our experienced advisers

What are Event fees?

These fees include “transfer”, “contingency”, “deferred-management” and “selling-service” fees. Fundamentally, all of them are triggered by an event (such as resale or sub-letting).

Leases of retirement flats and bungalows often include a fee triggered by certain events, such as when the owner sells or sub-lets their property. These fees are typically set at around 1% of the property sale price but may be as high as 30%.

I have a disability. Is my landlord responsible for making adaptations to the communal areas?

Under the Equality Act 2010 landlords and their agents will soon have a statutory duty to make reasonable adaptations to the communal areas ONLY where the leaseholder has made a request. At present, section 36 and Schedule 4 of the Equality Act 2010 are not yet fully in force. However, some landlords may be amenable to agreeing a private arrangement to make adaptations to the communal area. It is worth noting that the impact on other residents is an important factor to be considered when making these arrangements.


More information you might find useful:

Still not found the answer?

Contact LEASE to have your enquiry dealt with by one of our experienced advisers

I am a leaseholder in a retirement property. Am I responsible for the expenses of the resident warden’s flat?

The terms of your lease will determine whether you are responsible for contributing towards the cost of running the resident warden’s flat.

You should check your specific lease terms about this point. Generally most retirement property leases will contain service charge clauses allowing the landlord to recover the expenses incurred in maintaining a resident warden’s flat.

This charge is classified as a service charge and therefore it has to be reasonable. If you as don’t agree with this service charges you can challenge this at the Tribunal.


More information you might find useful:

Still not found the answer?

Contact LEASE to have your enquiry dealt with by one of our experienced advisers

Do I have a right to be consulted if the common parts have to be adapted to assist a disabled person?

Under the Equality Act 2010 residents will have a right to be consulted before adaptations can be made to the communal parts of a property. This right will be a consultation process involving all “affected persons” and will culminate in a written agreement as to how the adaptations will be made. At present, the provisions under the Equality Act 2010 are not yet fully in force.


More information you might find useful:

Still not found the answer?

Contact LEASE to have your enquiry dealt with by one of our experienced advisers

I would like to see the Code of Practice for the Association of Retirement Housing Managers

The Association of Retirement Housing Managers (ARHM) seeks to raise the standards within the sector by promoting best practice and ethics amongst those managing retirement housing.

ARHM Code of Practice

I live in a retirement property. Are we responsible for the cost of making adaptations to the communal areas to assist a disabled person?

Generally, most retirement leases contain provisions allowing the landlord to make adaptations as the mobility requirements of the residents evolve. However, unless the lease specifically states that the costs of such alterations are recoverable from all the residents there is no legal obligation at present for you to contribute towards such costs.


More information you might find useful:

Still not found the answer?

Contact LEASE to have your enquiry dealt with by one of our experienced advisers

How do I know if my manager is a member of the Association of Retirement Housing Managers?

The Association of Retirement Housing Managers (ARHM) seeks to raise the standards within the sector by promoting best practice and ethics amongst those managing retirement housing.

You can search ARHM member directory by the members’ name or region within the UK on their website

ARHM Code of Practice

I would like to see the Code of Practice for the Associated Retirement Community Operators (ARCO)

The Associated Retirement Community Operators (ARCO) is the main body representing retirement community sector the UK. Retirement communities may also be referred to as retirement villages; extra care housing; housing with care; assisted living; close care apartments; or independent living.

This website provides information on what it is like to live in a retirement community; what the Association stands for; and the work that the Association is doing to ensure that people in the UK are aware of the variety of housing options available to them.

I would like information on what it is like to live in a retirement community

The Associated Retirement Community Operators (ARCO) is the main body representing retirement community sector the UK. Retirement communities may also be referred to as retirement villages; extra care housing; housing with care; assisted living; close care apartments; or independent living.

This website provides information on what it is like to live in a retirement community; what the Association stands for; and the work that the Association is doing to ensure that people in the UK are aware of the variety of housing options available to them.

How do I know if my manager is a member of the Associated Retirement Community Operators (ARCO)

The Associated Retirement Community Operators (ARCO) is the main body representing retirement community sector the UK. Retirement communities may also be referred to as retirement villages; extra care housing; housing with care; assisted living; close care apartments; or independent living.

Their website provides information on what it is like to live in a retirement community; what the Association stands for; and the work that the Association is doing to ensure that people in the UK are aware of the variety of housing options available to them.

You can View a map of all ARCO-registered schemes on their website.

My manager is a member of the Associated Retirement Community Operators (ARCO) and I wish to complain.

The Associated Retirement Community Operators (ARCO) is the main body representing retirement community sector the UK. Retirement communities may also be referred to as retirement villages; extra care housing; housing with care; assisted living; close care apartments; or independent living.

This website provides information on what it is like to live in a retirement community; what the Association stands for; and the work that the Association is doing to ensure that people in the UK are aware of the variety of housing options available to them.

My manager is a member of the Association of Retirement Housing Managers and I wish to complain

The Association of Retirement Housing Managers (ARHM) seeks to raise the standards within the sector by promoting best practice and ethics amongst those managing retirement housing.

ARHM Code of Practice

I am looking for a trade association body in the leasehold retirement sector. Who can help?

The Association of Retirement Housing Managers (ARHM) seeks to raise the standards within the sector by promoting best practice and ethics amongst those managing retirement housing.

Can’t find the answer you need?
We are here to help.

Advice Guides

1 articles

LEASE is governed by a board, appointed as individuals by the Secretary of State for the Ministry of Housing, Communities & Local Government.