Changing deeds for merged houses, need help please

supersally

Hi
We have recently merged two houses and are wondering if we should change the deeds for both properties to just have one, we have been asked by an insurance company while taking out a quote for home insurance if they have been changed but we are not sure if we should change them or not any advice welcome thank you

xylophone

https://uk.answers.yahoo.com/question/index?qid=20120709005922AAyKMuw

A solicitor should be able to deal with the matter?

Have you advised the council concerning council tax?

Does the house now have only one house number/name?

theartfullodger

That you've only just thought to ask does raise questions to me...

Had planning permission?

Had building regs approval??

Electric & Gas & water & 'phone & b/band now all on one account each, safety checked where appropriate??

New EPC done?

Post office informed & happy?

davidmcn

Other than slightly simplifying the process when you come to sell or remortgage, I can't see that there's any advantage in merging the properties into one title (not sure why the insurers would care either!).

Land_Registry

From a registration perspective amalgamating two titles into one (merger is usually used to refer to closing a leasehold title/tenure and merging it back into the freehold title/tenure) make s little difference other than you only have to refer to one title number instead of two.

If as xylophone mentions 2 addresses are now 1 then that might be a good reason to amalgamate them.

Similarly it can help when lenders, utilities etc rely on online data and search only against an address but you also own land to the rear or side which is registered separately. Sometimes amalgamating lessens the risk of confusion on the part of others.

Amalgamation can be applied for and would cost £40 unless made at the same time as something else was being registered and a fee paid such as a sale or remortgage.

The key then is that both are held by the same name(s), in the same capacity and that they both have the same class of title - if they don't match then the question of whether it is a benefit or not does not arise.