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You'll find a lot of smaller properties with flats (e.g. houses split into 2 or 3 flats) won't have separate formal maintenance agreements. My previous flat didn't and it wasn't an issue for me buying it or the people buying it off me.
It is reasonably likely that the leases will contain some mechanism to ensure that the flats are maintained so that would be the obvious place to start. Obviously just because it's in a lease doesn't necessarily mean that people are going to spend the cash.
Yes, but that's not the concern just the context. The real issue is that there's not been a maintenance agreement in place, and no maintenance has been done for ~20 years.
If there's no maintenance agreement in place how do I and the lender have confidence that necessary maintenance will be organised?