Title Deeds merge for house and land

Land_Registry

Some lenders/mortgage products don’t allow it nowadays. Historically its very rarely been an issue but that doesn’t matter now. 

If they insist on a single title and they can be amalgamated then the solicitor needs to apply and provide evidence of that insistence eg lender letter confirming. 

If there’s a confirmed sale/purchase they can also submit evidence of that and ask us to expedite matters 

He1kin_01

It all originally went to Land Registry and I discovered I could contact 'you' through facebook and managed to get it expedited to be told it wasn't possible (the money we need off our mortgage is to partially pay back a family member that helped us buy the field in the first place). We've now gone to the solicitor and it's that bit that we're waiting for. I just wondered if anyone had any pearls of wisdom to hurry it along. Thanks for your help! Happy 🎄 Christmas 🎅 🤶 

K_S

@He1kin_01 Can I ask, is there a reason you are wedded to Halifax?

If LR have said that the two titles can't be amalgamated (and that doesn't change), it might be an option to look at a different lender who's ok with the property being under 2 titles.

davidmcn

I ask again:

davidmcn said:

He1kin_01 said:

Land Registry have said they can't merge the 2 because they are separate legal entities?!

What exactly have they said? The pieces of land are separate legal entities? Or they're owned by separate legal entities?

He1kin_01

davidmcn said:

I ask again:

davidmcn said:

He1kin_01 said:

Land Registry have said they can't merge the 2 because they are separate legal entities?!

What exactly have they said? The pieces of land are separate legal entities? Or they're owned by separate legal entities?

Hi. Sorry for the delay! Both the house and the land are jointly owned by me and my fiancé. 
The issue is apparently because the house is mortgaged and the land isn't. We're tied to Halifax as we went for a 5 year fixed rate 3 years ago. 
Thanks. Happy New Year! 🍻 🥂 

davidmcn

He1kin_01 said:

davidmcn said:

I ask again:

davidmcn said:

He1kin_01 said:

Land Registry have said they can't merge the 2 because they are separate legal entities?!

What exactly have they said? The pieces of land are separate legal entities? Or they're owned by separate legal entities?

The issue is apparently because the house is mortgaged and the land isn't.

That doesn't really make sense as being a problem. I can't see a reason why the titles can't be merged simultaneously with a new mortgage being registered to cover the whole property. But maybe the LR rep will come and point out something I'm missing...

He1kin_01

davidmcn said:

He1kin_01 said:

davidmcn said:

I ask again:

davidmcn said:

He1kin_01 said:

Land Registry have said they can't merge the 2 because they are separate legal entities?!

What exactly have they said? The pieces of land are separate legal entities? Or they're owned by separate legal entities?

The issue is apparently because the house is mortgaged and the land isn't.

That doesn't really make sense as being a problem. I can't see a reason why the titles can't be merged simultaneously with a new mortgage being registered to cover the whole property. But maybe the LR rep will come and point out something I'm missing...

The whole thing doesn't really make any sense! I can't believe we're the only people in the world to have every wanted to do this, and can't see how it's all so tricky! 
Soon as the Christmas break is over, and offices reopen, I'll get back to chasing people! 
Thank you everybody for all your help. Happy New Year! Hope it's a better one than last year for all. 

Land_Registry

davidmcn said:

He1kin_01 said:

davidmcn said:

I ask again:

davidmcn said:

He1kin_01 said:

Land Registry have said they can't merge the 2 because they are separate legal entities?!

What exactly have they said? The pieces of land are separate legal entities? Or they're owned by separate legal entities?

The issue is apparently because the house is mortgaged and the land isn't.

That doesn't really make sense as being a problem. I can't see a reason why the titles can't be merged simultaneously with a new mortgage being registered to cover the whole property. But maybe the LR rep will come and point out something I'm missing...

If I’ve understood correctly the OP/!ender want the 2 titles amalgamated before the new mortgage will be given. 

The devil will be in the detail as always and that’s not been shared as I don’t know what was actually asked for or the titles involved. If the OP can share the title numbers then happy to take a look at those details from our end. 

As a small but important aside a merger is where a lease is determined and it’s leasehold title merged into its superior title. An amalgamation is where you have two titles of the same class and tenure which can be amalgamated into one. From what the OP has stated that’s what we have here as some mortgage products won’t be offered over anything other than a single title. Never understood why as historically never an issue but in last 10 years some lenders have taken a different view 

He1kin_01

Land_Registry said:

davidmcn said:

He1kin_01 said:

davidmcn said:

I ask again:

davidmcn said:

He1kin_01 said:

Land Registry have said they can't merge the 2 because they are separate legal entities?!

What exactly have they said? The pieces of land are separate legal entities? Or they're owned by separate legal entities?

The issue is apparently because the house is mortgaged and the land isn't.

That doesn't really make sense as being a problem. I can't see a reason why the titles can't be merged simultaneously with a new mortgage being registered to cover the whole property. But maybe the LR rep will come and point out something I'm missing...

If I’ve understood correctly the OP/!ender want the 2 titles amalgamated before the new mortgage will be given. 

The devil will be in the detail as always and that’s not been shared as I don’t know what was actually asked for or the titles involved. If the OP can share the title numbers then happy to take a look at those details from our end. 

As a small but important aside a merger is where a lease is determined and it’s leasehold title merged into its superior title. An amalgamation is where you have two titles of the same class and tenure which can be amalgamated into one. From what the OP has stated that’s what we have here as some mortgage products won’t be offered over anything other than a single title. Never understood why as historically never an issue but in last 10 years some lenders have taken a different view 

Hello. The title numbers are NYK218459 and NYK477518. Many thanks for your help! Helen

EastSussex247

Hi, sorry to resurrect an old thread but would be very interested to know how you got on with this. We are in virtually the exact same position; we have a small cottage which we are extending (with an existing mortgage on it), and a sizeable piece of adjoining land owned outright. We have tried mortgage brokers but they wont take the additional land into account as its on a separate title deed. Two similar pieces of land on the same street have just been granted planning permission for 5 terraced houses - the land is worth considerably more than the house due to the potential as a multiple building plot, has its own gated access, electricity supply etc. We are looking to remortgage to finish the extension (adding 3 bedrooms to the house and more than doubling the size), at which point we would like to sell, clear the mortgage and develop the land... so I really don't want to waste time and money amalgamating the deeds to then try to split them later when we sell the original house.