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Illustrative worked example
£200,000 home · age 70 · single
The home buyer pays £100,000 for a Lifetime Lease; the investor pays £100,000 and owns the home. The home is bought at market value. This example uses a company investor, higher-rate purchase stamp duty and no works.
You pay one Lifetime Homes fee of £4,999: £1,200 when you instruct us and £3,799 when your purchase completes. You don't pay any stamp duty on the purchase of the home; the investor pays it. You pay your own solicitor and any works you choose.
| Your share of the price | £100,000 |
|---|---|
| Instruction fee · paid on instruction | £1,200 |
| Completion fee · paid on completion | £3,799 |
| Purchase stamp duty · paid by investor | £0 |
| Stamp duty on your lease | £0 |
| Legal fees estimate | £2,000 |
| Estimated works | £0 |
Your total
£106,999
You save £93,001 (46.5%) compared with buying this home outright.
You can live in this home rent-free and mortgage-free for the rest of your life.
Lease stamp duty assumes this is your only home.
These figures are estimates for illustration only and are not an offer. Final prices depend on your age, circumstances, the property and professional advice. Stamp duty is based on 2026/27 rates for England and your own situation may differ. Lifetime Homes does not give financial, legal or tax advice.
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