Our Mission
LeaseVault was created to demystify leasehold enfranchisement for UK homeowners. With over 4.9 million leasehold properties in England and Wales, millions of people need to understand their options — but professional advice is expensive, and free online information is often vague or outdated.
We built a precise, free calculator using the official RICS deferment rate methodology, updated for 2026 and the Leasehold and Freehold Reform Act 2024. Our goal is to give every leaseholder the information they need to make a confident first step before spending £1,000 or more on professional fees.
How Our Calculator Works
Our premium calculation uses the standard valuation methodology established by the Lands Tribunal in Earl Cadogan v Sportelli [2007] 1 EGLR 153, which set the deferment rate at 5% per annum for flats. We apply RICS-recognised relativity tables to determine the leasehold value at any given lease length, and calculate all three premium components: ground rent capitalisation, reversion value, and marriage value where applicable.
Editorial Independence
LeaseVault is an independent consumer information resource. Our content is written and reviewed by named specialists: James Norton MRICS, a Chartered Surveyor, covers valuation and calculator methodology, and Sarah Mitcham, a property solicitor, reviews legal and process content. See our full editorial policy and calculator methodology. We do not provide legal advice and do not receive undisclosed commission from solicitors or surveyors. Should advertising appear on this site in future, it will not influence editorial content.
What We Are Not
We are not a law firm, a surveying practice, or a financial adviser. The calculator and articles on this site are for general information purposes only. For any specific transaction, you must instruct a RICS-registered surveyor and a specialist leasehold solicitor. Our content should be your informed starting point, not your final answer.
Corrections and Updates
If you believe any information on this site is incorrect or outdated, please contact us. We take accuracy seriously and review all corrections promptly. Leasehold law is changing rapidly and we aim to keep all content current.
Advertising
This website does not currently display third-party advertising. All estimates, guides, and articles are produced independently, and any advertising we may introduce in future would not influence our editorial content.