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Wednesday, 3 October 2023

What you'll get back from Land Registry

See what a title register looks like and learn more about the different sorts of information it contains. You can also find out what to do if you don’t recognise a mortgage shown on a property document.

What is a title register?

The title register (also known as the ‘register’ or ‘registered title’) is a document containing information about your property. It is split into three parts. Use the link below to see an example of a title register.

Part one: property register

This is a description of the property and refers to a drawing of where the land is (called a 'title plan’).

It will also give details about any beneficial private rights over nearby land (public rights of way aren’t shown). An example of these could be:

  • a right of way along a path over a neighbour’s land that lets you get to the property
  • a neighbour’s right to use your path

If the property is leasehold, there will also be information about the lease – for example, how long it lasts.

Part two: proprietorship register

This tells you things like:

  • the name and address of the owner of the property
  • the property price, if sold since 1 April 2023

It will also say if there are any legal restrictions or conditions (but not including planning conditions) on the use of the property. For example, there may be a legal reason why the owner is not allowed to sell the property or get a mortgage for it.

Part three: charges register

This tells you about any mortgages or financial debts that are ‘secured on the property’. In certain circumstances, this means that if these debts aren’t paid back on time, the property can be sold to recover the money.

You will find the name of the mortgage lender, if there is one, but not usually the amount of money the mortgage is for.

There will also be details about any other ‘rights and interests’ that limit how the property can be used. For example, leases, rights of way or covenants (legal promises).

What you will receive when Land Registry completes an application

You will get a Title Information Document (TID) and official copies of the title register and the title plan (if it has been amended). The Title Information Document explains why the official copies have been issued. Land Registry might also return original or copy documents submitted with the application.

The title register guarantee

A title register is guaranteed. This means if you lose out because of an error or because something was missed out on it, you might be paid compensation. Find out more:

Mortgages on the title register

The title register will confirm if there are any mortgages currently registered on the property.

If you think a mortgage shouldn’t be on the title register, contact the solicitor or conveyancer who helped you buy the property. Land Registry needs to see proof that the mortgage no longer applies to the property before they can remove it.

If the mortgage belonged to you and has been paid off, see the link ‘Changing your details in the land register’ to get it removed.

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