Rent usually only covers the amount your landlord charges you for living in the property. Sometimes your rent also includes money for other things such as bills or maintenance. This is called inclusive rent.

• Utility bills
  
• Service charges
• Maintenance and insurance

Utility bills

If your rent only covers living charges, you will have to pay rates and utility bills on top of that. Most private tenants have to pay for electricity, heating, telephone and the TV licence.

These bills are usually sent out every quarter (every three months) but you can usually arrange to pay bills monthly. It may work out cheaper if you pay online or by direct debit. If you share a flat or house, you will need to split the bills with your housemates.

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Service charges

If you own a leasehold flat, you will probably have to pay a service charge to cover the maintenance costs. Service charges are usually paid annually, but can also be monthly, quarterly or half-yearly.

Service charges usually cover things like:

• repairs,
• cleaning,
• communal gardens.

Sometimes buildings insurance is included but you may pay this separately. You normally have to pay a share of everything even if you don't use some of the services.

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Maintenance and insurance

If you own your home, you have to pay for repairs and maintenance to keep your home in good condition. However, your landlord should be responsible for carrying out most repairs if you are renting privately. Check the terms of your tenancy agreement if you are unsure whether or not you must repair your home.

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