Statutory Diligence GuideUpdated October 2026Follow on Google★

How Does a Lease Extension Calculator Work Without Marriage Value in 2026?

Statutory Source: Leasehold and Freehold Reform Act 2024 (Section 23 - Valuation Reform)

Quick Answer: How Does a Lease Extension Calculator Work Without Marriage Value in 2026?

A lease extension calculator without marriage value removes the historic requirement that flat owners with leases under 80 years must pay 50% of the property's market uplift to the freeholder. Under Section 23 of the Leasehold and Freehold Reform Act 2024, the premium is calculated solely on: (1) Capitalised loss of ground rent, and (2) The discounted deferment value of the reversion. By excluding marriage value, the statutory premium for a 72-year lease on a £350,000 flat drops from approximately £28,000 down to roughly £13,000—a direct cash saving of over £15,000 for the leaseholder.

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The Mathematical Difference: With vs Without Marriage Value

To understand why flat owners campaigned for decades to abolish marriage value, examine the mathematical reality of a £300,000 London/South East flat with 74 years remaining and £150 annual ground rent:

Real-World Cost Comparison: Old 1993 Law vs 2026 Reformed Law (£300,000 Flat, 74 Yrs)

Valuation Element	Under Historic 1993 Law	Under 2026 Reformed Law	Leaseholder Cash Saving
Ground Rent Capitalisation	£2,850	£2,850	£0.00 (Unchanged)
Reversionary Loss	£8,100	£8,100	£0.00 (Unchanged)
Marriage Value (50% Share)	£14,800 (Added!)	£0.00 (ABOLISHED)	£14,800 SAVED DIRECTLY!
Total Premium Payable to Landlord	£25,750	£10,950	MASSIVE SAVING OF £14,800 (-57%)

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Check Any Property Across 12 Official Statutory Registers

Conducting property due diligence requires cross-referencing multiple public registries. Run a free instant desktop screening across Environment Agency flood models, British Geological Survey subsidence data, UKHSA radon maps, HM Land Registry sold prices, and local planning constraints.

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Environment Agency FloodingSurface water, rivers & sea risk bands

BGS Ground StabilityShrink-swell clay & subsidence risk

UKHSA Radon Gas PotentialOfficial radon class & protection rules

HM Land Registry PricesHistorical transactions & tenure type

EPC Energy & RdSAP SpecsOfficial construction era & wall fabric

Planning Applications BufferRecent nearby planning notices (500m)

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Official Primary Verification Registers

Cross-reference property diligence across verified UK government open registers under the Open Government Licence v3.0:

Category: Leasehold Reform & Valuation Formula

Property Age & RdSAP Era

Official construction age bands, wall specifications, and earliest conveyance dates.

MHCLG Energy ActOpen Tool

Council Tax & Precepts

Statutory Band A–H ratios, police/fire levies, and 1 April 1991 baseline thresholds.

Local Govt Finance Act 1992Open Tool

Public Rights of Way (PRoW)

Conclusive legal proof of footpaths, bridleways, and restricted byways on land.

Wildlife & Countryside Act 1981Open Tool

Planning & Consultations

Live planning applications, 21-day neighbor notices, and permitted development appeals.

Town & Country Planning Act 1990Open Tool

Flood Risk & Surface Water

Statutory Flood Zones 1, 2, 3, 30/100/1000-year pluvial models, and Flood Re rules.

Flood & Water Mgt Act 2010Open Tool

Land Registry Sold Prices

Verified historical completion prices, title deed values, and regional ONS house price indices.

Land Registration Act 2002Open Tool

Stamp Duty (SDLT)

Exact progressive residential thresholds, £300k FTB relief, and 5% additional home surcharges.

Finance Act Statutory ScheduleOpen Tool

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Official Statutory Notice & Guidance:

This guide is compiled for informational due diligence referencing official statutory records from Leasehold and Freehold Reform Act 2024 (Section 23 - Valuation Reform) under the Open Government Licence v3.0. Legal titles and physical structural condition should always be independently inspected by a qualified conveyancing solicitor and chartered RICS surveyor prior to legally binding property commitments.