This is the public example dossier. It shows what a report looks like, but is not a real customer report.
Analysis dossier
1-room flat with bedroom, balcony and Thames view, Greenwich Peninsula
Strasse im Inserat genannt, hier nicht uebernommen, Greenwich Peninsula, SE10 · London · Vereinigtes Königreich
375,000 GBP
333,000 GBP
299,700 GBP
What you have here
The complete inspection report on this property, from the listing and public registers.
- 10 chapters, each available on its own
- Confidence: lowLowered from medium to low. The independent second review does not consider the data base sufficient for the higher level. The lower level is shown here instead of the one the analysis itself assumed. The second review left one serious finding open (Beratung/Wertermittlung). While it is open, confidence cannot exceed medium.
- 9 warning signals, 3 of them serious, and 5 opportunities
- Reference number 4D62BFD5-0D22-4E3C-9C63-43E33CDEC09E ✓
What the full assessment additionally shows
- Lending value and income value, the way a bank calculates them.
- Stress tests for interest, rent and vacancy.
- Your own documents read and checked against the listing.
What you can do now
Owners' association
Unpaid contributions attach to the flat itself
The buyer takes on the lease with its remaining term and all service charge obligations. A short remaining term, roughly under eighty years, makes a later extension considerably more expensive because of marriage value. The Leasehold and Freehold Reform Act 2024 has legislated to abolish that surcharge, but this part of the Act is not yet in force. Already in force since February 2025: a new owner can apply for a lease extension right after buying, without the two-year ownership wait that used to apply. Outstanding service charges and planned major works (Section 20) are the central risks. ON THE ARREARS THEMSELVES: outstanding service charges of the previous owner remain that owner's debt under the Landlord and Tenant (Covenants) Act 1995, and the buyer does not have to pay them. That is only half the answer, and the more dangerous half runs the other way: the freeholder can forfeit the lease for the non-payment, and those proceedings run against the flat, that is against the NEW owner. He can lose possession although he owes nothing and has no obligation to pay. Two safeguards stand in the way: forfeiture requires a notice under section 146 of the Law of Property Act 1925, and such a notice for service charges is only permitted under section 81 of the Housing Act 1996 once the amount has been determined by a tribunal or admitted by the leaseholder. This is why the LPE1 information pack on outstanding amounts is not a formality but the actual point to check; it is common practice to have any outstanding amounts retained from the purchase price at completion. The buyer should check the remaining lease term and the LPE1 information pack. SCOPE OF RESEARCH: checked through secondary sources on English leasehold law, not against the statutory wording.
Basis: Set out in the Landlord and Tenant Act 1985 (service charges, sections 18 to 30) and the Leasehold Reform, Housing and Urban Development Act 1993 (lease extension, marriage value below eighty years remaining). The Leasehold and Freehold Reform Act 2024 has abolished the two-year ownership wait for a buyer, in force since February 2025. Its planned abolition of marriage value itself is legislated but not yet in force.
No minutes of an owners' meeting were provided
Works already resolved but not yet paid for appear in the minutes and nowhere else. Ask for the last three years. If they are missing, that in itself is an answer.
Documents you should request
- · The lease with its remaining term
- · Service charge accounts of recent years and the LPE1 information pack
- · Planned major works under Section 20
- · The level of ground rent and sinking fund
What could NOT be assessed here
- · Which works the association has already resolved.
- · The actual balance of the reserve fund.
Legal position United Kingdom, as of 2026-08-17. This chapter replaces neither legal advice nor inspection of the original documents.
Scan my Home dossier · AI-assisted indication, not a sworn market-value appraisal · valuation conservative incl. 10 % safety discount · Interest/market data as of 2026-07 · Version 663
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