Land Registry jargon, anyone translate?

Julysea

The deed was first granted in 1930 but an item later added says: "REGISTERED CHARGE dated 17 December 1999 to secure the moneys including the further advances herein mentioned."

There is no further reference to this, or none that my solicitor has copied to me anyway. We had been trying to find out if a certain piece of land had been registered as part of the property - could this be a later registering of an additional piece of land to the property? The title plan included is dated 1973 and dpesn't seem to include the piece of land in question. I will bring this up with my solicitor on MOnday but I'm trying to do some detectiuve work now. Anyone shed any light?

Doozergirl

A registered charge is a loan secured against a property. Most likely a mortgage.

Bossyboots

Agree with Doozergirl, this is a loan secured on the property. Does it say who the charge is registered in favour of? I would think that if the title plan does not include the land then it is not registered to the property. The title plan should be more up to date than 1973 if it had been added after that date. Its hard to tell without seeing it so you will have to get your solicitor to confirm that but the entry you are querying is definitely a secured loan.

Snaggles

On section C - the 'Charges Register' - it should tell you who the registered charge is in favour of. If this is a house you are buying, as the above posters have already mentioned, it is likely to be the people the current owners have their mortgage with, so this charge will be released when the property is sold to you and their mortgage is repaid. (And a similar charge will be registered by your mortgage lender, if you are taking a mortgage).

The additional piece of land could have its own separate title number (but still be owned by the vendor), particularly if at some stage the land was owned by another party. If the land is not shown on the title plan, but is included in the sale, your solicitor will need to obtain the Land Registry Official Copy for this piece of land also.

Hope this helps (probably not )!

Julysea

Ah, yes, it does say, the charge is against Barclays Bank. That would make sense. And it also could make sense that the land might be registered separately, hadn't thought of that. Might explain why the whole thing is shown as a complete plot on the Envirosearch plan but not on the Land Registry stuff?