Land Registry

Kimbers71

Hello everyone.  I am a little confused by the advice I have received my solicitors and am seeking a second opinion.  My Dad passed away this year and has left me, as his sole executor and beneficiary, his bungalow.  As a renter, I have decided to go and move into the property.  
The bungalow was bought from new in 1968 and there are only paper deeds.  On contacting the solicitor, they have said that I should get the 'Limited Title Guarantee' but as the new owner my feeling is that I should register it with 'full title guarantee' as I will be living there and it is mine??  Any information on this would be greatly be received. 

Tiglet2

Kimbers71 said:

Hello everyone.  I am a little confused by the advice I have received my solicitors and am seeking a second opinion.  My Dad passed away this year and has left me, as his sole executor and beneficiary, his bungalow.  As a renter, I have decided to go and move into the property.  
The bungalow was bought from new in 1968 and there are only paper deeds.  On contacting the solicitor, they have said that I should get the 'Limited Title Guarantee' but as the new owner my feeling is that I should register it with 'full title guarantee' as I will be living there and it is mine??  Any information on this would be greatly be received. 

This is absolutely normal and nothing to worry about.

If a seller has no personal knowledge of the property, or has passed away and is being dealt with by an executor, the property is usually sold with Limited title guarantee. Often this will be because the property has been repossessed by a mortgage company or is being sold by executors following a death.  It is normal for the seller/executor and/or their solicitor to give only a Limited Title Guarantee. Although this sounds as if it should be of concern your solicitor will have made the usual checks on the legal title to ensure that any mortgages or third party rights are investigated before you exchange contracts to purchase it.

When/if you sell the property in the future you will be selling with full title guarantee as you will have the authority to sell as the named person on the title and current owner.

user1977

Given this is the guarantee by yourself (as executor) to yourself (as an individual) it's kind of academic.

Bookworm225

yes "you" are 2 people
the you the executor selling to you the beneficiary
the executor is not expected to know "everything" about the property so does not give full title.

Kimbers71

Great many thanks for your replies.  That does make more sense and confirms what the solicitor said.