Compare the financial case for a freehold versus a 99-year leasehold over any holding period — lease decay and loan eligibility included.
Step 1 of 3
Property comparison
Freehold scenario
Leasehold scenario
A simplified modelling input, not a universal rule.
Financing
Loan amount is the purchase price times your loan-to-value, applied separately to each scenario.
Lease and loan eligibility
Lenders assess lease length differently. This tests whether the leasehold lease still meets your entered minimum at the end of the loan term. Freehold is not lease-limited.