Documents received after purchasing my flat

rakeshunni

Hi Guys,

I recently purchased a brand new apartment from Bryant homes in london. I already moved in to my flat 2 months ago and I just need to clarify what documents I need to keep myself regarding this property. My mortgage is from Halifax (90%LTV) and these are the docs I received from my solicitor. can someone please let me know if I'm missing something?

1. Copy of official land registry
2. Copy of Notice of planning decision
3. Copy of Display of Names and numbers of buildings
4. Copy of Approval - town and Country planning act
5. Lease hold property report with my name
6. Mortgage Approval Letter from Lender

Actually I just need to know which document officially delare that i own this property? Or this will be still with Halifax as they have major share on my property? Also what documents I need if i want to sell my appartment in future?

Thanks!

Richard_Webster

1. Copy of official land registry
2. Copy of Notice of planning decision
3. Copy of Display of Names and numbers of buildings
4. Copy of Approval - town and Country planning act
5. Lease hold property report with my name
6. Mortgage Approval Letter from Lender

1. Should show your name as owner. When you sell your solicitors get an up to date copy from the Land Registry. You do not need to keep paper documents to prove ownership.
2. Keep this because buyer's solicitor will want to see it.
3. Not sure, probably simply relating plot numbers to postal addresses but if in doubt, keep.
4. As 2, Keep.
5. Presumably this was produced by your solicitor to explain the legal side of your purchase and about the terms of the lease. Don't need it for sale but you should keep it for your own reference.
6. Keep for your own reference so you know the terms of your loan. None of your buyer's business.

The main missing document is the lease itself and this is important. Halifax say about documents to be sent to them by solicitor following completion and registration (having set out a list of obscure documents they do want):

DO NOT SEND US ANY OTHER DOCUMENTS (N.B. WE DO NOT NEED THE LEASE WHERE THE TITLE IS LEASEHOLD). PLEASE FORWARD THESE TO THE BORROWER.

Your solicitor should have sent you the lease or be keeping it on your behalf. Make sure you find out where it is. The Land Registry will provide a copy for £20 but these copies are sometimes not such good quality and therefore it is better to have the original when you sell.

rakeshunni

Thanks for your help Richard.

I checked my docs again and found that i have 'Leasehold property report' with my name with the other docs. Is that what you were pointing to?

Also how can i get originals of land registry? Do I have to check with my solicitor?

Cheers!

Richard_Webster

Also how can i get originals of land registry?

They don't exist in paper form! All you ever get is an official copy - £3 for the register, £3 for the file plan, download from http://www.landregistry.gov.uk

The 'Leasehold property report' sounds like something your solicitor prepared to explain stuff to you.

Ask your solicitor where the original lease is - he should know.