Can I get a mortgage on a flying freehold?

Yes. Most lenders will consider flying freeholds of less than 10–15% of the property. For larger flying elements, specialist lenders are available.

Will a flying freehold affect my property's value?

It shouldn't significantly affect value, but it may limit the pool of buyers when you come to sell. Having indemnity insurance in place helps.

What's the difference between a flying freehold and a flying leasehold?

A flying freehold applies to freehold properties. Leasehold flats can have similar overhanging elements, but these are governed by the lease terms rather than freehold ownership rules.

Flying Freehold Mortgages

A flying freehold can complicate mortgage applications, but many lenders will still consider them. We'll find the right lender for your property.

What Is a Flying Freehold?

A flying freehold occurs when part of a freehold property extends over (or under) a neighbouring property. Common examples include a bedroom that overhangs a neighbour's passageway, or a cellar that extends under the property next door. While not uncommon — particularly in older terraced houses — flying freeholds can make getting a mortgage more complex.

Access to lenders who accept flying freehold properties
Expert knowledge of indemnity insurance requirements
Both small and large flying freeholds considered
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Guidance on legal and structural considerations

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Why Do Lenders Care About Flying Freeholds?

The issue with a flying freehold is that the property owner has limited rights to maintain or repair the part that overhangs or extends under a neighbour's land. There's no automatic right of access for repairs, and if the neighbouring structure fails, your property could be affected. Lenders see this as additional risk.

How Much of the Property Is Flying?

Most lenders will consider a flying freehold if it's less than 10–15% of the property's total footprint. If the flying element is larger — say a whole floor overhangs — fewer lenders will consider it, but specialist options still exist. An indemnity insurance policy is usually required.

Flying Freehold Indemnity Insurance

Most lenders will require a flying freehold indemnity insurance policy. This covers the risk of structural issues caused by the flying element. The policy is typically a one-off payment and is arranged by your conveyancer as part of the purchase process.