Low-maintenance one-bedroom retirement flat in Deal town centre — lease and fees limit mortgage options.
Town-centre retirement flat with communal gardens and lounge
Residents gated car park with marked bays for convenience
Secondary glazing and electric night storage heaters installed
75-year lease — many lenders likely to refuse mortgages
Service charge ~£327 pcm (£3,924 pa); clawback 1% purchase × years owned
Overlooks car park — limited privacy and possible vehicle noise
Property shows dated finishes; ideal for light updating or redecoration
Local crime level recorded as very high — factor for buyer safety
Quietly positioned in the centre of Deal, this first-floor one-bedroom apartment suits someone seeking a low-maintenance, town-centre retirement base. The block offers communal gardens, a residents’ gated car park and a communal lounge and laundry — useful shared facilities for downsizers who want convenience rather than garden upkeep.
Internally the flat provides a sitting/dining room, compact kitchen, bathroom and a double bedroom. The home has electric night storage heaters and secondary glazing, so heating and insulation are straightforward, though the fittings and decor appear dated and will suit buyers comfortable with modest finishes or light updating.
Important tenure and cost points affect marketability: the lease has 75 years remaining and the service charge is approximately £327 pcm (£3,924 pa). Mortgage lenders frequently refuse mortgages on leases this short, and there is a clawback clause of 1% of the purchase price multiplied by years owned. These factors mean the property is most realistic for cash buyers, those with specialist retirement lending, or buyers prepared to extend the lease.
Other practical notes: the flat overlooks the car park, so there is limited privacy and some potential noise from vehicles; crime statistics for the area are recorded as very high, which should be considered. There is no flooding risk and the location places you within easy walking distance of shops, transport and coastal amenities, making it a convenient base for town-centre retirement living.
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