Hello Forumites! In order to help keep the Forum a useful, safe and friendly place for our users, discussions around non-MoneySaving matters are not permitted per the Forum rules. While we understand that mentioning house prices may sometimes be relevant to a user's specific MoneySaving situation, we ask that you please avoid veering into broad, general debates about the market, the economy and politics, as these can unfortunately lead to abusive or hateful behaviour. Threads that are found to have derailed into wider discussions may be removed. Users who repeatedly disregard this may have their Forum account banned. Please also avoid posting personally identifiable information, including links to your own online property listing which may reveal your address. Thank you for your understanding.

Historic rent charge

The sale of my property has fell through due to a historic rent charge from 1847, we have never been chased for any charges and the mortgage of the buyer fell through because we had to have it removed or an indemnity.  The Church is still there but we aren't allowed to contact it so we are therefore damned if we do and damned if we don't.  What mortgage companies accept properties with rent charges.  The solicitors have not give a solution and we have a property which has been empty for 4 years!  What can we do to sell it with the rent charge on?  Please advise?


  • MeteredOut
    MeteredOut Forumite Posts: 270
    100 Posts Name Dropper
    edited 7 August at 10:27AM
    You say the solicitors have not given a solution, but it sound like they have: get an indemnity policy.

    Why not just do that? Did you even get a quote for that? The fact you have never been charged should (hopefully) indicate the premium would not be onerous.

    That will likely be much easier that trying to contact the church, or hoping that your buyer has a lender who does not care about such things (and if one does, they'll likely all do).
  • Smalltownhypocrite
    Smalltownhypocrite Forumite Posts: 22
    10 Posts Name Dropper
    I have absoloutly no expertise in this area so don't take my word for it but 'Professor Google' says

    Rentcharges extinguish automatically 60 years from the date of which the Rentcharge first became payable.

Meet your Ambassadors


  • All Categories
  • 338.7K Banking & Borrowing
  • 248.6K Reduce Debt & Boost Income
  • 447.5K Spending & Discounts
  • 230.7K Work, Benefits & Business
  • 600.7K Mortgages, Homes & Bills
  • 171K Life & Family
  • 243.9K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 15.9K Discuss & Feedback
  • 15.1K Coronavirus Support Boards