Separate Title Registers for <Property> and <Land Associated With Property>

RHemmings

I'm scouting out a property that I'm interested in. When I look for the title register, I find that it has both the title register for the property, but also I find 'Land associated with' the address. 

This stopped me, and I haven't downloaded the title registers yet. 

Why would there be two title registers like this? 

The property is listed as 'Freehold' on RightMove. 

Clearly I can buy copies of both title registers, but I think I want to ask about the background of this before trying to work out what these registers mean in combination. 

Tiglet2

My previous property had two titles, one for the house/garden and one for the additional land which was added to the garden at a later date.  It wasn't merged with the original title as there was a covenant on it:  not to build a permanent structure on the land (pipe running beneath).  Not a problem if both titles are in the name of the seller and the solicitor ensures that both titles are transferred to a new buyer.

You have to make both solicitors aware that you are purchasing both titles, otherwise they may assume only one is included in your purchase.  As there are two transfers, it may mean additional conveyancing fees.

I would buy both title registers just to confirm that the seller owns both.

I wouldn't necessarily think there was "background" but without any knowing what the titles actually say, it's difficult to comment.

p00hsticks

My brother also had two titles - one for the house & (small) garden, and the second associated one for his owned parking space, which, along with the two neighbouring properties, was the other side of the private road 

Cheery_Daff

We have two titles - our house is very rural and came with more land than the mortgage company would accept with a normal residential mortgage, so we split part of it off and paid cash for that bit. We'll very likely sell them together when the time comes - I have no interest in owning a field overlooking my old house 😂

eddddy

Cheery_Daff said:

We have two titles - our house is very rural and came with more land than the mortgage company would accept with a normal residential mortgage, so we split part of it off and paid cash for that bit. We'll very likely sell them together when the time comes - I have no interest in owning a field overlooking my old house 😂

Did your solicitor know you were doing that - splitting the titles in order to get a residential mortgage?

Also, did your mortgage lender know? You probably breached the terms of your mortgage if you didn't tell them.

(Or did you get round it perhaps because, for example, one title is owned by you, and the other title is owned by your spouse?)

You might have trouble if you later attempt to sell both titles together to the same person, and they need a residential mortgage.




The reason is that the risk to the bank is the same - whether you own a house and adjacent land on one title, or you own the house and and adjacent land on two different titles.

The risk is that you rent the the house and adjacent land to an agricultural tenant - and the bank can't evict them.


This only applies if there are acres of land involved - so it's probably not relevant to the OP.

RHemmings

Returning to the OP, the two title registers and title plans are the same. Same person, same dates, same charges by a mortgage company, same everything. Even the same title plan number. It's all listed on search-property-information.service.gov.uk. The descriptions in the title register seem confused. The title plan for the land shows just the property highlighted, but the title plan talks about constructing 93 houses on the land. Etc. It all seems rather weird to me. 

lika_86

RHemmings said:

Returning to the OP, the two title registers and title plans are the same. Same person, same dates, same charges by a mortgage company, same everything. Even the same title plan number. It's all listed on search-property-information.service.gov.uk. The descriptions in the title register seem confused. The title plan for the land shows just the property highlighted, but the title plan talks about constructing 93 houses on the land. Etc. It all seems rather weird to me. 

Are they both freehold titles or is one leasehold?

RHemmings

lika_86 said:

Are they both freehold titles or is one leasehold?

Both of them are freehold. 

user1977

It would probably make more sense if we could see what you're looking at.

Cheery_Daff

eddddy said:

Cheery_Daff said:

We have two titles - our house is very rural and came with more land than the mortgage company would accept with a normal residential mortgage, so we split part of it off and paid cash for that bit. We'll very likely sell them together when the time comes - I have no interest in owning a field overlooking my old house 😂

Did your solicitor know you were doing that - splitting the titles in order to get a residential mortgage?

Also, did your mortgage lender know? You probably breached the terms of your mortgage if you didn't tell them.

(Or did you get round it perhaps because, for example, one title is owned by you, and the other title is owned by your spouse?)

You might have trouble if you later attempt to sell both titles together to the same person, and they need a residential mortgage.




The reason is that the risk to the bank is the same - whether you own a house and adjacent land on one title, or you own the house and and adjacent land on two different titles.

The risk is that you rent the the house and adjacent land to an agricultural tenant - and the bank can't evict them.


This only applies if there are acres of land involved - so it's probably not relevant to the OP.

Yep, all above board and registered etc by solicitor. It's just a field, with its own access. I could sell it on its own to a farmer tomorrow with no detriment at all to the house. Lender knew. But I won't derail the thread with any more details, as you say, it's unlikely to be relevant, I was just giving another example of why two titles might be owned by the same people.

babyblade41

We have 2 titles, we just bought another piece of land .. no skeletons, just never bothered to merge them