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Land Registry questions

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Comments

  • agrinnall
    agrinnall Posts: 23,344 Forumite
    First Post Combo Breaker
    Land_Registry wrote: »
    agrinnall MSE have put this thread in place and advised 'set new companies and organisations up with their own dedicated forum thread where our site users can ask questions'

    Thanks for the clarification. I sometimes thing thak MSE really don't understand the way the forum works, and as 00ec25 said, if this isn't made a sticky (and of course the same would have to be done for every other company thread that they create) it'll slip off the front page and very quickly become redundant.
  • G_M
    G_M Posts: 51,977 Forumite
    Name Dropper First Anniversary First Post Combo Breaker
    felixmeg wrote: »
    Hi
    My husband and I have a shared ownership house. The mortgage is in his name and I pay the direct debit. The deeds are in his name with myself as interested party/charge on them.

    Can we transfer the deeds into my name or do we have to change both the mortgage and deeds to my name?

    Or is it far more complicated than that?

    Many thanks
    A perfect example of the issue.

    This is not a Land Registry related question, so unless other regular posters like myself monitor this thread, no answer will be forthcoming. Felix would do better to start her own thread.

    (I'm only here temporarily to see where the discusssion goes - as aggrinnall/00ec25 say, the thread will soon vanish anyway.
  • silvercar
    silvercar Posts: 46,942 Ambassador
    Academoney Grad Name Dropper Photogenic First Anniversary
    I do have some virtual glue that can make this thread sticky if required.

    Personally I find that too many sticky threads clutter up the first page and make it harder for threads to be spotted on a fast moving board, but I'm open to persuasion.
    I'm a Forum Ambassador on The Coronavirus Boards as well as the housing, mortgages and student money saving boards. I volunteer to help get your forum questions answered and keep the forum running smoothly. Forum Ambassadors are not moderators and don't read every post. If you spot an illegal or inappropriate post then please report it to forumteam@moneysavingexpert.com (it's not part of my role to deal with this). Any views are mine and not the official line of MoneySavingExpert.com.
  • Land_Registry
    Land_Registry Posts: 5,776 Organisation Representative
    First Anniversary Name Dropper First Post
    felixmeg wrote: »
    Hi
    My husband and I have a shared ownership house. The mortgage is in his name and I pay the direct debit. The deeds are in his name with myself as interested party/charge on them.

    Can we transfer the deeds into my name or do we have to change both the mortgage and deeds to my name?

    Or is it far more complicated than that?

    Many thanks

    You are mixing a few terms here so unsure what the exact situation is. Shared ownership is generally used where you own a percentage so you have a smaller mortgage and pay rent on the remainder. You then buy more shares/percentage as you go along.

    I suspect that's not the case here but it's registered in his sole name and your interest is protected in some way although you then refer to a charge/interested party so unsure how?

    If you want to transfer the legal ownership into your joint names then our online guidance explains how. If you have a mortgage the odds are you'll need your lender's consent.

    They may also insist on your using a solicitor so I'd check if ok with your lender first and go from there
    “Official Company Representative
    I am the official company representative of Land Registry. MSE has given permission for me to post in response to queries about the company, so that I can help solve issues. You can see my name on the companies with permission to post list. I am not allowed to tout for business at all. If you believe I am please report it to forumteam@moneysavingexpert.com This does NOT imply any form of approval of my company or its products by MSE"
  • felixmeg
    felixmeg Posts: 14 Forumite
    Land_Registry wrote: »
    You are mixing a few terms here so unsure what the exact situation is. Shared ownership is generally used where you own a percentage so you have a smaller mortgage and pay rent on the remainder. You then buy more shares/percentage as you go along.

    I suspect that's not the case here but it's registered in his sole name and your interest is protected in some way although you then refer to a charge/interested party so unsure how?

    If you want to transfer the legal ownership into your joint names then our online guidance explains how. If you have a mortgage the odds are you'll need your lender's consent.

    They may also insist on your using a solicitor so I'd check if ok with your lender first and go from there

    It is shared ownership as in part rent part buy so the mortgage is on 50% of the house. The lease is for 99 years along with our housing association.
    We want to transfers the registered owner of our half into my name only.
  • felixmeg
    felixmeg Posts: 14 Forumite
    G_M wrote: »
    A perfect example of the issue.

    This is not a Land Registry related question, so unless other regular posters like myself monitor this thread, no answer will be forthcoming. Felix would do better to start her own thread.

    (I'm only here temporarily to see where the discusssion goes - as aggrinnall/00ec25 say, the thread will soon vanish anyway.

    Um, it is a land registry question, I am asking how I put the title register or deeds of our house into my sole name.....

    How is that not land registry?
  • agrinnall
    agrinnall Posts: 23,344 Forumite
    First Post Combo Breaker
    silvercar wrote: »
    I do have some virtual glue that can make this thread sticky if required.

    Personally I find that too many sticky threads clutter up the first page and make it harder for threads to be spotted on a fast moving board, but I'm open to persuasion.

    My view would be not to bother and to let this thread slip quietly into obscurity. I agree with the too many stickys thought, I believe that's why on some boards previous individual stickys have been accumulated into a single sticky that sits at the very top of the board, but then there are no others created.
  • Land_Registry
    Land_Registry Posts: 5,776 Organisation Representative
    First Anniversary Name Dropper First Post
    felixmeg wrote: »
    It is shared ownership as in part rent part buy so the mortgage is on 50% of the house. The lease is for 99 years along with our housing association.
    We want to transfers the registered owner of our half into my name only.

    Ok, many thanks. From purely a registration perspective you deal with what's on the register. By that I mean if changing from joint ownership to sole then the linked guidance applies. But you also deal with any restrictions on the title as well, often a restriction in the B Proprietorship register after your names.

    If you are both registered as joint owners then the mortgage should also be in both names. The change to sole ownership won't change that but crucial to check the terms of your mortgage as well and deal with any restriction linked to that mortgage (registered charge) also

    The other consideration is how the change effects the shared ownership aspect as well.
    So on face of it it there are probably discussions to be had with both HA and mortgage lender. Personally that's complex enough to also warrant getting legal advice
    “Official Company Representative
    I am the official company representative of Land Registry. MSE has given permission for me to post in response to queries about the company, so that I can help solve issues. You can see my name on the companies with permission to post list. I am not allowed to tout for business at all. If you believe I am please report it to forumteam@moneysavingexpert.com This does NOT imply any form of approval of my company or its products by MSE"
  • NeilCr
    NeilCr Posts: 4,430 Forumite
    Name Dropper First Anniversary First Post
    agrinnall wrote: »
    I don't really understand the purpose of this thread. LR are usually quite good at monitoring the board and responding to any thread in which there is a LR issue, so why do we need a thread in which there may be many questions asked, causing confusion over which answer relates to which question, and in which LR have yet to post a response even though the thread has been running for almost 30 hours?

    I'd suggest to the two people who have posted questions that they start their own threads and mention that they'd like to hear from LR, and I'd also suggest that MSE Andrea deletes this thread.

    I sort of agree

    The only way this is got any chance of working is if it is made a sticky and no-one but LR responds to any questions. I realise that it may take time for LR to reply but they do get to queries in the end

    To be honest if I'd seen the thread title and I had a question, specifically, for LR then I'd not hugely appreciate other posters replying. If LR thinks it is not a subject for them then they can say so and the poster can start a new thread

    But I do think this is possibly fiddling with something that seemed to be working okay
  • vikki400
    vikki400 Posts: 45 Forumite
    First Anniversary Combo Breaker
    da_rule wrote: »
    You don't need a solicitor no.

    You would need to send off the AP1, transfer deed (probably a TR1), the SDLT5 (the certificate from the HMRC in relation to stamp duty), the probable document and the relevant ID form (ID1) and identity documents.

    I don't know why a solicitor would be nervous about doing this. If you clearly instruct them to do it and as long as they tell you the risks then they aren't running any risk.

    Thanks for this, I thought I could do it myself, but it is nice to have confirmation :)
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