PLEASE READ BEFORE POSTING: Hello Forumites! In order to help keep the Forum a useful, safe and friendly place for our users, discussions around non-MoneySaving matters are not permitted per the Forum rules. While we understand that mentioning house prices may sometimes be relevant to a user's specific MoneySaving situation, we ask that you please avoid veering into broad, general debates about the market, the economy and politics, as these can unfortunately lead to abusive or hateful behaviour. Threads that are found to have derailed into wider discussions may be removed. Users who repeatedly disregard this may have their Forum account banned. Please also avoid posting personally identifiable information, including links to your own online property listing which may reveal your address. Thank you for your understanding.
📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!

No surname issue while buying a property

Options
24

Comments

  • lincroft1710
    lincroft1710 Posts: 18,930 Forumite
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
    Many of the Sikh community have no family name as such, males have their last name "Singh", females "Kaur".
    If you are querying your Council Tax band would you please state whether you are in England, Scotland or Wales
  • theartfullodger
    theartfullodger Posts: 15,707 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    edited 8 April at 3:47PM
    Surely nothing stopping you changing your name by deed poll to have a 1st & surname???  Would likely make life much easier.. 

    Entirely up to lender, solicitor, land registry etc etc what their rules & regulations are as long as they are not unlawfully discriminating.... (discrimination can be legal).
  • ThorOdinson
    ThorOdinson Posts: 359 Forumite
    100 Posts First Anniversary Name Dropper
    Can your solicitor just enter (none) or something?
  • Sapindus
    Sapindus Posts: 666 Forumite
    500 Posts Fourth Anniversary Name Dropper
    Is your name long enough that you could split it into the two boxes?
  • Jeff_Dee
    Jeff_Dee Posts: 33 Forumite
    Sixth Anniversary 10 Posts Name Dropper
    edited 8 April at 7:19PM
    In a university student database I'm familiar with, this is quite a common occurrence for some overseas students. As the surname field is mandatory the workaround is to enter a period or a hyphen in that field.

    ETA - It does of course depend whether the system you're using will accept a non-alpha character in that field.
  • Emily_Joy
    Emily_Joy Posts: 1,495 Forumite
    Seventh Anniversary 1,000 Posts Photogenic Name Dropper
    If this is internal system used by solicitors, why don't they enter "Not Applicable" in the corresponding field(s)?
  • bobster2
    bobster2 Posts: 965 Forumite
    Sixth Anniversary 500 Posts Photogenic Name Dropper
    When dealing with HMRC online services someone in this thread found that while the online forms will not accept a blank surname field, they will accept a blank first name box.

    https://community.hmrc.gov.uk/customerforums/sa/6cc488b1-dca0-ee11-a81c-002248c69e85
  • Jemma01
    Jemma01 Posts: 391 Forumite
    Fourth Anniversary 100 Posts Name Dropper
    bobster2 said:
    When dealing with HMRC online services someone in this thread found that while the online forms will not accept a blank surname field, they will accept a blank first name box.

    https://community.hmrc.gov.uk/customerforums/sa/6cc488b1-dca0-ee11-a81c-002248c69e85

    It is intentionally left like that because verifying first names proved to be difficult as many people go around with short first names (Elizabeth going for Liz!), all it did was generate more support calls HMRC can't afford. Even worse some people would put their titles there fgs.
    Note:
    I'm FTB, not an expert, all my comments are from personal experience and not a professional advice.
    Mortgage debt start date = 25/10/2024 = 175k (5.44% interest rate, 20 year term)
    Q4/2024 = 139.3k (5.19% interest rate)
    Q1/2025 = 125.3k (interest rate dropped from 5.19% - 4.69%)
    Q2/2025 = 108.9K (interest rate 4.44%)
    Q3/2025 = 99.9k
  • user1977
    user1977 Posts: 17,863 Forumite
    10,000 Posts Seventh Anniversary Photogenic Name Dropper
    edited 10 April at 10:27AM
    Emily_Joy said:
    If this is internal system used by solicitors, why don't they enter "Not Applicable" in the corresponding field(s)?
    We're talking about the Land Registry and HMRC, neither of which are internal solicitor systems (though typically used by them).

    And I suspect the risk of doing as you suggest is that it ends up in the name of Zsreech Notapplicable.
  • EssexHebridean
    EssexHebridean Posts: 24,424 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Yep, U77 has nailed it - so your SDLT form will throw up the name exactly like that, which then means if you try to get anything else through at registration the LR will raise a requisition because your SDLT5 doesn't match what is on the TR1 and any charge. 
    🎉 MORTGAGE FREE (First time!) 30/09/2016 🎉 And now we go again…New mortgage taken 01/09/23 🏡
    Balance as at 01/09/23 = £115,000.00 Balance as at 31/12/23 = £112,000.00
    Balance as at 31/08/24 = £105,400.00 Balance as at 31/12/24 = £102,500.00
    £100k barrier broken 1/4/25
    SOA CALCULATOR (for DFW newbies): SOA Calculator
    she/her
Meet your Ambassadors

🚀 Getting Started

Hi new member!

Our Getting Started Guide will help you get the most out of the Forum

Categories

  • All Categories
  • 351.1K Banking & Borrowing
  • 253.2K Reduce Debt & Boost Income
  • 453.6K Spending & Discounts
  • 244.1K Work, Benefits & Business
  • 599.1K Mortgages, Homes & Bills
  • 177K Life & Family
  • 257.5K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 16.1K Discuss & Feedback
  • 37.6K Read-Only Boards

Is this how you want to be seen?

We see you are using a default avatar. It takes only a few seconds to pick a picture.