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Hi, as your Son has found out, most Mortgage Lenders won't grant a Mortgage over a Freehold Flat. You need to convert the downstairs Flat to Leasehold, by granting a Lease (I would suggest a term of 999 years). However, a Freeholder can't grant themselves a Lease, so your Son, as Freeholder, would have to grant a Lease of downstairs to himself plus 1 or 2 other people (I would suggest yourself or your Husband). This of course needs to be done before he sells the upstairs Flat, as the Lease for downstairs has to include rights over the whole of the building (eg rights of support). A local Conveyancing Solicitor will be able to advise your Son fully. I hope this assists and sets out the legal position. If so, please don't forget to rate my answer. Kind Regards Al