For customers
For home buyers: what you pay
Step 1
A friendly first chat
Tell us what you're looking for. Bring family if you like. There's no cost and no obligation.
Step 2
You choose a home
Find a home you love on the open market, anywhere in our West Midlands area.
Step 3
Your personal quote
We assess the property and your circumstances and give you a clear, written price for your lifetime lease.
Step 4
Independent legal advice
Your own independent solicitor explains everything and checks the paperwork. You have a cooling-off period.
Step 5
We buy the home
Meizon (or an investor partner) buys the home at market value.
Step 6
Your lease is registered
You pay your one-off sum and your lifetime lease is registered at the Land Registry.
Step 7
Move in and live there for life
No rent, no mortgage, no interest. You look after the home as your own.
What you pay and what you get
You choose a home and it is bought at market value. For a single buyer aged 70, the home buyer pays 50.0% of the price and the investor pays 50.0%. The home buyer buys a Lifetime Lease; the investor owns the home.
Older buyers pay a smaller share because the lease is expected to be shorter. Couples pay a little more because a couple's lease usually lasts longer.
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.
- Any stamp duty on your lease is separate and assumes this is your only home.
- Your own solicitor: the illustration estimates £2,000.
- Any works needed. We can carry out works with a fixed written quote, or you are free to use your own builder.
Sometimes Meizon Limited, which runs Lifetime Homes, is the investor. When it is, we tell you in writing before you commit.
- The right to live in the home for the rest of your life
- No rent, no mortgage and no interest to pay
- Your lease registered at the Land Registry
- You look after the home, its repairs and contents insurance, as you would your own
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.
Your security
Your lifetime lease is registered at the Land Registry. It stays in place whoever owns the home, including if the owner sells it or goes out of business. Nobody can ask you to leave because the home changes hands.
What happens when the lease ends
The lease ends when you (or the last surviving partner, for couples) die or move permanently into long-term care. The home then returns to its owner. Nothing is owed by you or your estate, and there's no debt that grows over time.
Is it right for me?
We want you to make the right choice, even if that isn't us. Here's an honest look at both sides.
Good things
- Move to the home you want for less than its price
- Free up money from your current home
- No rent, mortgage or interest, ever
- Legal security for life
Things to think about
- You don't own the home
- The less time you live there, the less value you get
- Your estate doesn't receive the home
You don't own the home. The less time you live there, the less value you get, and the home does not pass to your family. Please speak to your family and take independent legal advice, and compare the alternatives, such as downsizing outright or equity release, before deciding.