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What Happens if You Don't Pay Ground Rent?

Ground rent must be properly demanded before it's due.

What Happens if You Don't Pay Ground Rent? Residential Property Services in London

Updated October 2026 · Fraser Bond

Leasehold · Ground rent

Unpaid ground rent

Formaldemand
Forfeiturelimits
Lendermay pay
Reformongoing
In short: Ground rent is only payable once the landlord has served a formal written demand in the prescribed form. If it remains unpaid, the freeholder can sue for the debt and may add charges allowed by the lease. Forfeiture for unpaid ground rent is restricted: it can't be used for small amounts (generally under £350 or unpaid for under three years), and courts can grant relief. Lenders often pay arrears to protect their security and add them to your mortgage. Most new leases since 2022 have zero ground rent, and further reform is in progress.

Frequently asked questions

Can I lose my flat over ground rent?

Rarely, and not for small sums.

Do I have to pay without a demand?

No, a valid demand is needed.

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