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  • Breadcrumb

    1. Home
    2. Property and housing
    3. Buying, selling and renting a home
    4. Buying your home

    Buying out your ground rent

    If you own your home, you might pay yearly ground rent to the landowner. Ground rent is an amount for the land your home is built on. The landowner is also known as the freeholder or rent owner. You can apply to Land Registry to buy out the ground rent.

    Why a property owner pays ground rent

    Some property owners pay rent for the land their home is built on. The landowner charges the property owner annual ground rent.

    Ground rent

    Ground rent is paid if the legal documents for a property have a lease agreement or fee farm grant.

    The lease or fee farm grant will say:

    • annual amount of ground rent
    • rent owner entitled to the ground rent

    Paying ground rent 

    Ground rent is usually paid every six months in May and November.

    Ground rent amount

    The annual amount is usually between ten and one hundred pounds.

    Nominal ground rent

    Very low ground rent is less than £1.00 a year. It’s known as nominal rent.

    What you need for buying out your ground rent

    If you want to buy out your ground rent, you must:

    • apply to Land Registry
    • get a certificate signed by your solicitor
    • tell the rent owner
    • get a copy of the lease or fee farm grant for your property

    But the owners of flats and apartments can't buy out their ground rent.

     Property lease or fee farm grant

    You’ll need two copies of your property lease or fee farm grant. If you have a mortgage, ask the bank or building society for the property documents. If you don’t have a mortgage, the property deeds might be in a bank or solicitor’s office for safekeeping. You might need to pay for the copies.

    Applying to Land Registry

    When applying to Land Registry, you will need:

    • to fill in and sign application Form GR1 witnessed by a solicitor, or Form GR1 (N) for a nominal ground rent
    • a receipt for your most recent ground rent payment
    • to pay nine times the annual ground rent for your property
    • to pay Land Registry’s £50.00 fee
    • a copy of your property lease or fee farm grant certified by a solicitor

    To certify the copy of the lease or fee farm grant, the solicitor signs and confirms the copy is accurate. A solicitor might charge for certifying and witnessing your documents.

    To download the application form you need to send Land Registry, go to:

    • Redemption of ground rent forms and guidance

    Sending your application for ground rent redemption

    You must send your application form, documents and cheque to Land Registry:

    • Land & Property Services

    Land Registry only accepts cheques and written applications for ground rent redemption. You can’t apply online or in person with cash.  Land Registry can take a week to process your application if you send them all the documents and the right fee.

    Buying out the ground rent 

    You must tell the landowner immediately that you’ve applied to Land Registry to buy out the ground rent. You need to fill in form GR2 and send this with a copy of your lease or fee farm grant to the rent owner.  If you pay nominal ground rent, you’ll need Form GR2 (N).

    To download the form you need to send the rent owner, go to:

    • Redemption of ground rent forms and guidance

    Certificate of redemption

    When your application is finalised, Land Registry will send you a certificate of redemption. This is your ground rent certificate. It’s evidence you’ve bought out your ground rent. You won’t need to pay any more ground rent. The certificate is part of your property’s title deeds.

    Registering your ground rent certificate

    You should register your ground rent certificate with Land Registry. A solicitor can give your advice on registering.

    Example of buying out ground rent

    Your annual ground rent is £100 from 1 June 2019 until 31 May 2020. You paid ground rent until 31 May 2019. You apply to buy out your ground rent on 21 August 2019. From 1 June 2019 until 21 August 2019, you owe ground rent for 82 days.

    Ground rent details Amount
    Annual ground rent £100
    Ground rent for nine years £900.00
    Ground rent for 82 days
    82/365 x £100.00
    £22.47
    Land Registry fee £50.00
    Ground rent buy out £972.47

    You send the ground rent buy out amount to Land Registry. You’ll need to pay the solicitor’s fee separately.

    Unpaid ground rent

    If you want to buy out your ground rent but there’s no proof ground rent was paid or collected, you’ll pay an extra six years’ ground rent. In the example shown, you’ll pay an extra £600.00 ground rent.  Total amount will be £1572.47 for ground rent buy out.

     
     

    More useful links

    • Land and property registers
    • Searching the Land Registry
    • How to find property and land information
    • Land registration publications
    • The Property (Northern Ireland) Order 1997

    More useful links

    • Student housing
    • Home and housing options
    • Safety at Home
    • Fire Prevention
    • Tax on property and rental income - HMRC website
    • Planning for buying a home - Money Advice Service website
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    Buying your home

    • Buying a home - step-by-step guide
    • Buying a home - things to consider
    • Buying a newly built home
    • Buying out your ground rent
    • Calculate stamp duty payments on leasehold properties
    • Choosing an area to live in
    • Energy Performance Certificates
    • How to find property and land information
    • Land and property registers
    • Stamp Duty Land Tax calculator
    • Viewing a property you are thinking of buying

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