How To Check If Your House Is Registered With The Land Registry

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Any time home or a piece of property is purchased in the UK, the purchase is supposed to be registered with HM Land Registry UK. This department helps to safeguard both land and property owners throughout the UK. The market itself is worth protecting, too, as there are more than £8 trillion in assets in the UK property market today across both England and Wales, and that means that all of that money is protected from fraud or other similar problems.

Today, the Land Registry contains 26 million different Land Registry title deeds, and all of that helps to show evidence of ownership for almost 90% of the land in England and Wales. The problem, however, is that 10% of all of the land and property here is unregistered, and that can create a real issue if you are working to buy or sell a property that doesn’t have the registration materials it needs on file. Often no professional -from an estate agent to a conveyancing solicitor – will even begin to touch a sale that involves an unregistered property.

Do You Have To Register Your Land And Property?

There are currently no laws that say that unregistered land or property has to be registered in the UK. Naturally, there are all kinds of advantages to ensuring that both are registered, though. The most important of those reasons is the fact that if errors or mistakes are made by the Land Registry at any point in time, you will be offered compensation for those mistakes. The other key reason you may want to consider registering your land with the Land Registry is the fact that it will begin an official record of who owns the property, and that means that the need to take a closer look at the history of the title is almost eliminated.

It’s important to note that there are some situations where a property absolutely must be registered with HM Land Registry. The first is if you’re planning to sell the property. If you have a buyer who wants to make the purchase, the property must be registered. If you plan to give your property away, it must also be entered into the registry. Additionally, if you plan to leave the property to your heirs in your will, it will have to be filed with the Land Registry before they can inherit it. Finally, if you intend to take out a mortgage on the property, you will need to use the Land Registry to get it registered before you are allowed to take out a loan against it.

What Happens After A Property Is Registered?

After a property has been registered, you’ll be able to obtain several different documents. The first of these is called the Title Information Document. It will help provide as much information as possible about the property itself. The second is an official plan of the land. It’s based on Ordnance Survey Maps, and it’s called the Title Plan. Both of that help to speed up the conveyancing process, as all of them establish the information a conveyancing solicitor might need for the potential buyer of a property.

While you get paper copies of all of the documents like the title deeds from the Land Registry, they are stored electronically in the Land Registry files, and that makes them far more accessible to anyone who may want to buy the property shortly.

How Can I Tell If My Land Has Been Registered?

There are several ways you can perform a land registry check to see if you have ever had your property registered, but if you have a lot of old, very original documents and the document that was used to transfer the property into your name in its original form like the deeds of the house, the chances are fairly good that your property hasn’t be registered. There are a few different ways to be sure of that, though, and check Land Registry information.

First, go to the Gov.UK website to learn whether your home is part of the land registry and check the land registry online. Don’t worry – this is a free land registry search UK citizens and non-citizens can use. All you have to do when you get there is navigate to the “Land and Property Information” search page, and then you’ll be taken to a spot where you can enter your postcode to see the land registry deeds. You may also be able to perform a search differently – by typing in the street and town of your home to obtain land registry documents. Once you’ve done those things, you’ll see the list of house registry entries in that area. Clicking on any one of those addresses will usually allow you to download several different details about the property like title deeds for UK properties, the overall summary and the title plan. In that summary, you can typically see a property description, its address, and whether there are any planning permission restrictions in place. You’ll also be able to see who owns the property (which, if you’re searching for your property, should be you) as well as whether or not there is currently a mortgage on the property register or any easements that may be part of the property.

If you do not find your home when you perform this search of the Land Registry UK, it just means it currently isn’t part of the database, but if you’re a bit underconfident in your research and work on finding out whether your property is part of the database, there are a few other things you can do. Typically, you can work with a conveyancing solicitor to learn whether your property is now part of that database. If it is not, they can also help you ensure that it is included so that you can obtain all of the benefits of having your property included. If you’re not quite clear on what those benefits are, they can help you better decide whether that’s something you want for your property.

Does The Process Work The Same Way In Ireland And Scotland?

While this process primarily works the same way for both properties in Ireland and Scotland, both of those have their land registry, and that comes with its guidelines and rules to obtain a Land Registry title deed and other property information. You can still search for your property online in both places, and registering still provides many of the same benefits, but it’s key to make sure that you look into the information before you decide to register your property in either location.

Learning More About Property Registration

Whether you’re in the UK, Ireland, or Scotland, understanding the Land Registry, the benefits it can provide your property, and how to check to be sure your property is registered is essential. Work with a solicitor if you’re concerned about your property. You’ll particularly want to consult a solicitor if you need a Land Registry change of name or some other major change to your entry. In those situations, working with a qualified conveyancing solicitor can be invaluable when you’re trying to get the information corrected regarding your property. After all, if it’s not right, it’s going to be quite difficult to obtain a mortgage or do anything else with it!

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