Buying a leasehold or shared ownership home means taking on most of the responsibility for maintaining your home. You’ve also made a commitment to make your payments on time and in full. Your lease will detail your specific rights and responsibilities. 

You are expected to:

  • Pay your service charges and any estate charges or reserve funds in advance
  • Pay your rent on time if you live in a shared ownership home
  • Comply with the terms of your lease
  • Maintain and repair the interior of your home
  • Pay for the cost of major works and any long-term maintenance service contracts
  • Promptly report defects in new build homes during the defect period
  • Allow us access if we need to survey your home.


CKH will:

  • Explain your rent and/or service charges
  • Take action if you fail to pay your rent, service charges or buildings insurance (including informing your lender if appropriate)
  • Subject to your lease, set up a reserve fund to help you spread the cost of major works
  • Give you notice of planned works and contact you before carrying out works for which you have to pay more than £250
  • Carry out grounds maintenance and cleaning of communal areas, and for flats we will repair and keep in good condition the exterior, structure and common parts of your building
  • Provide buildings insurance that covers you against fire (where appropriate)
  • Explain the defect period and your rights during it, if you are buying a new build home
  • Soon provide an easy way for you to manage your account online - look out for more details.