Once you are in receipt of the contract papers from the seller's solicitors you will need to begin to check the title. Title check is a catch all term which really describes checking not just the title deeds (ownership, rights etc) but also the search results, protocol forms, contract and any other documents you happen to be provided with relevant to the property. The way this guide works is that it will ask you questions and depending on the answer you give you will be directed to the relevant section of the page. If you are a paid subscriber you can also use the title checking tool, which you can select from the menu on the left. This will allow you to upload certain documents which our system can read and extract data from, it will suggest enquiries and it will allow you to save your progress.
To start with, you should check the seller's title. First, is it registered or unregistered? If it is registered you will have received an Official Copy of Register of Title. Click the link to view an example. Otherwise you should have an Epitome of Title (though this isn't always supplied) and copies of old Conveyances, Indendtures, Leases etc. Select registered or unregistered to jump to the right section.
Registered
Next, you should establish whether the title is leasehold or freehold. As a general rule of thumb, flats and maisonettes are leasehold and houses are freehold but that will not always be the case. Look at the official copy of register of title in section A: Proprietorship Register. The first paragraph will begin with the a date in brackets and will be followed by the words "The Freehold land ..." or "The Leasehold land ...". Whilst all land in England and Wales notionally belongs to the Crown, the owner of a freehold title has the exclusive right to the land in perpetuity as an absolute owner. The owner of a leasehold title on the other hand owns an exclusive right to use and occupy the land for the term of the lease but does not own the land.
To move to the relevant section click on the appropriate link:
Registered Freehold Title
Now that you have established that you are dealing with a registered freehold title, you should begin by checking the register. The first page should be a covering page which starts with "The electronic official copy of the register follows this message". This cover page is important as, if there are applications pending against the title which have not been completed (i.e. applications to change the register for example applications to register a charge or a change of ownership) then it will contain the following alert "Applications are pending in HM Land Registry, which have not been completed against this title.". If the cover page is not supplied you should insist on receiving it and if it is supplied and reveals pending applications you will need to ask for evidence of what they relate to so that you can consider how the changes, if successfully registered, will affect the title.
The next thing you'll see is the Title number. This is a unique identifier that HM Land Registry gives to every title it creates. Then comes the Edition Date. This is the last date that the register was updated, for example as a result of the addition or removal of a charge or restriction or a change of ownership. After that is the date and time that this copy of the register was issued. This is important because any electronic copy of the register is only accurate at the moment it is produced. The older the copy you have is, the more likely it is to have been changed since. There is no hard and fast rule but it is generally accepted that the register supplied by the seller's solicitors should be no more than 6 months' old when the contract papers are issued. There follows some notes that appears on every register: advice that the aforementioned date should be used as the search from date on an official search (more on that later), a note to say that the dates at the beginning of each entry are the dates the entries were made, confirmation that the electronic copy is admissible in evidence to the same extent as the original register (so that it can be relied upon) and finally, which office deals with the title. This used to be useful when applications to HM Land Registry were submitted by post but is is less so now that the vast majority are submitted electronically.
Other than the heading section, an Official Copy is split up into 3 registers, the Property Register (A), the Proprietorship Register (B) an the Charges Register (C). In the A: Property Register, the first entry will give you the County and District that the property is in, for example if it were in Leeds it would say West Yorkshire : Leeds. Our example happens to be in a London borough, so you only see the borough. The county and district will need be completed on certain applications to H M Land Registry.
Entry 1 starts with a date in brackets. This is the date that the title was first created. This might be when the land was first registered, or if there has been a transfer of part do that this title was created out a larger one, the date the application to register that was received by HMLR (note that the dates in brackets throughout represent the dates applications were received by HMLR, not the date of the transaction not the date the application was completed. After that, you'll see the following phrase "The Freehold land shown edged with red on the plan of the above Title filed at the Registry and being" which will be followed by the property address. (If it starts "The Leasehold ..." then you are in the wrong section and need to jump to the leasehold section. Note the land will always be edged red on the plan. HMLR uses specific coolours on filed plans for specific purposes. You will obviously need to be satisfied that the address listed here is the address you are purchasing. If you are purchasing a plot of land with no building on it, there may a descriptiion rather than an address. Even if there is a building with an address on the land it might be that the building was not yet constructed/converted at the time of registration, in which case you might see "land at the back of ...." or land adjoining ...". You can ask HMLR to update the description following registration of whatever disposition you are dealing with. they will need evicence of the address, such as a council tax bill.
You might see notes following the property address. Two common ones are "The land edged green has been removed from the title [and registered under title number XXXXX]." This happens where there have been one or more transfers of part under which land has been removed from the title and given their own title number. such green land is no longer included in the property title. Another entry you might see is "As to the land tinted blue on the title plan only the [ground/first etc] floor is included in the title. there are 3 possibilities here:
- if the blue tinted area is the whole footprint of the building on the land then it may indicate a freehold flat;
- if it is part of the footprint it suggests a flying or creeping freehold;
- the title may be the freehold reversion of Tyneside lease
For more on this you can visit the "what does blue tinting on the filed plan mean?" section of the Complex Title Issues page.
Registered Leasehold Title
Coming soon, keeping checking back!
Unregistered
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