What is a Life Tenant?

Many people are only hearing the term Life Tenant for the first time, so what is a Lifetime Tenancy Property Investment?

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Its whereby two or more parties obtain a property.

The Lifetime Tenant buys the right to live in the property for the rest of their life or go into long term care. The investor buys the legal ownership of the property.

Typically the Life Tenant pays 47% of the RICS vacant market value, the investor pays the balance.

What Kind of People Become a Life Tenant?

The life tenant is going to be someone, single, married, or possibly even a same sex couple who are over the age of 60.

They will already have considered selling & downsizing, along with equity release and renting in the open market.

They are buying the right to live in the property for the rest of their lives or until they go into long term care.

They are your average working people who have come to the realisation that in their current position, they are not going to have sufficient to live on in retirement. He may have worked in manufacturing or construction, his partner may have had a part time job at Boots. They will have done well in their lives, brought up a couple of kids, paid off their existing home and have a nice car on the drive. They will have some pension and savings in place but not quite enough to live comfortably in retirement.

So they are average people, they could be your mum and dad or indeed they could be my mum and dad.