No surname issue while buying a property

Land_Registry

EssexHebridean said:

Thanks @Land_Registry - it's not something I have encountered, but in a situation where one uses the portal to submit the AP1 and supporting paperwork, I do wonder whether the portal will allow an application without at least 2 names (first name/surname) - clearly it's financially less than ideal to have to submit a paper application instead as it will cost the client a far higher fee!

If you are acting for the OP or anyone else with a sole name then you can still submit it through business e-services. Simply add N/A or ‘None’ in the surname field and include an explanation as appropriate 

prowla

Melbury? :-)

EssexHebridean

Land_Registry said:

EssexHebridean said:

Thanks @Land_Registry - it's not something I have encountered, but in a situation where one uses the portal to submit the AP1 and supporting paperwork, I do wonder whether the portal will allow an application without at least 2 names (first name/surname) - clearly it's financially less than ideal to have to submit a paper application instead as it will cost the client a far higher fee!

If you are acting for the OP or anyone else with a sole name then you can still submit it through business e-services. Simply add N/A or ‘None’ in the surname field and include an explanation as appropriate 

Brilliant - thank you (and apologies for jumping on the OP's thread to get potentially useful information for myself - hopefully may help the OP as well, mind you!) 

zsreech

Land_Registry said:

EssexHebridean said:

The problem is that will then give problems down the line - when the OP’s name on the title doesn’t match up with their other ID documents. There must be a workaround for it - I suspect calls to both HMRC and HMLR may be needed. Although in the second of those, perhaps @Land_Registry might be able to shed some light? 

It is possible to be registered as a property owner if you have just one name. Whilst rare in England and Wales it can be more common in other countries although many then include 'son/daughter of X' in their name and that can mean they use the Father's surname for legal reasons also
An obvious example to those of a certain age and musical interest would be the Icelandic singer Bjork daughter of Guþmundur
I imagine the issue many professionals might face is that the digital processes present problems where a fore and surname are required in separate fields. Old fashioned paperwork may have to be relied upon as a result. As with all things 'rare' it's best for the conveyancer to explain the circumstances when submitting the application to register ownership. 

Thanks Land_Registry for your reply.

So my current situation is, my bank, after back and forth interactions, has issued a mortgage offer with '.' (period) mentioned in the surname field (like: zsreech .) . My solicitor has now backed out, saying they don't know how to deal with my situation for AML(money laundering) checks.


Now I am checking with other solicitors by explaining my situation. My biggest concern is that I want to register the property with my correct name that matches my identity documents, so that I do not face issues in selling the property later.  So, if I have understood your answer correctly, the registration should be possible with just my given name.
It would be really helpful if you could suggest any specific route/process my solicitor can use in my case.

Land_Registry

zsreech said:

Land_Registry said:

EssexHebridean said:

The problem is that will then give problems down the line - when the OP’s name on the title doesn’t match up with their other ID documents. There must be a workaround for it - I suspect calls to both HMRC and HMLR may be needed. Although in the second of those, perhaps @Land_Registry might be able to shed some light? 

It is possible to be registered as a property owner if you have just one name. Whilst rare in England and Wales it can be more common in other countries although many then include 'son/daughter of X' in their name and that can mean they use the Father's surname for legal reasons also
An obvious example to those of a certain age and musical interest would be the Icelandic singer Bjork daughter of Guþmundur
I imagine the issue many professionals might face is that the digital processes present problems where a fore and surname are required in separate fields. Old fashioned paperwork may have to be relied upon as a result. As with all things 'rare' it's best for the conveyancer to explain the circumstances when submitting the application to register ownership. 

Thanks Land_Registry for your reply.

So my current situation is, my bank, after back and forth interactions, has issued a mortgage offer with '.' (period) mentioned in the surname field (like: zsreech .) . My solicitor has now backed out, saying they don't know how to deal with my situation for AML(money laundering) checks.


Now I am checking with other solicitors by explaining my situation. My biggest concern is that I want to register the property with my correct name that matches my identity documents, so that I do not face issues in selling the property later.  So, if I have understood your answer correctly, the registration should be possible with just my given name.
It would be really helpful if you could suggest any specific route/process my solicitor can use in my case.

From a purely registration perspective you/your solicitor can apply to update the register to match your passport/driving licence 
We don't carry out the money-laundering checks solicitors/lenders are required to do in such scenarios so can't advise you on anything wider than the registration requirements

zsreech

Land_Registry said:

zsreech said:

Land_Registry said:

EssexHebridean said:

The problem is that will then give problems down the line - when the OP’s name on the title doesn’t match up with their other ID documents. There must be a workaround for it - I suspect calls to both HMRC and HMLR may be needed. Although in the second of those, perhaps @Land_Registry might be able to shed some light? 

It is possible to be registered as a property owner if you have just one name. Whilst rare in England and Wales it can be more common in other countries although many then include 'son/daughter of X' in their name and that can mean they use the Father's surname for legal reasons also
An obvious example to those of a certain age and musical interest would be the Icelandic singer Bjork daughter of Guþmundur
I imagine the issue many professionals might face is that the digital processes present problems where a fore and surname are required in separate fields. Old fashioned paperwork may have to be relied upon as a result. As with all things 'rare' it's best for the conveyancer to explain the circumstances when submitting the application to register ownership. 

Thanks Land_Registry for your reply.

So my current situation is, my bank, after back and forth interactions, has issued a mortgage offer with '.' (period) mentioned in the surname field (like: zsreech .) . My solicitor has now backed out, saying they don't know how to deal with my situation for AML(money laundering) checks.


Now I am checking with other solicitors by explaining my situation. My biggest concern is that I want to register the property with my correct name that matches my identity documents, so that I do not face issues in selling the property later.  So, if I have understood your answer correctly, the registration should be possible with just my given name.
It would be really helpful if you could suggest any specific route/process my solicitor can use in my case.

From a purely registration perspective you/your solicitor can apply to update the register to match your passport/driving licence 
We don't carry out the money-laundering checks solicitors/lenders are required to do in such scenarios so can't advise you on anything wider than the registration requirements

Thanks Land_Registry for the clarification.