Submitting TR1 and DS1 forms

Good Morning,<br> <br> I have paid off my mortgage / home purchase plan with Al Rayan Bank. I think it is important to mention this here as there are two land registry titles. One is the original title, and the other was the leasehold title supplied by Al Rayan Bank.<br> &#160; <table border=1 cellpadding=1 cellspacing=1 style="width:500px;"> <thead> <tr> <th scope=col>Description</th> <th scope=col>Original</th> <th scope=col>Additional (99 Year Lease)</th> </tr> </thead> <tbody> <tr> <td>Property Register</td> <td>Leasehold Company</td> <td>Al Rayan Bank</td> </tr> <tr> <td></td> <td>Myself</td> <td>Myself</td> </tr> <tr> <td>Proprietorship Register</td> <td>Al Rayan Bank</td> <td>Myself</td> </tr> </tbody> </table> <br> The bank have sent me a pre-filled TR1 and DS1 forms. The DS1 form is only contains title number in relation to the &quot;Additional&quot;&#160; lease.<br> <br> My question is, is it sufficient to simply send the (signed) TR1 and DS1 alongside the AP1 forms and that will in essence dissolve the additional lease and update the original lease to remove the bank as a proprietor?<br> <br> Thank You

Good Morning Fai Zan - a Transfer will transfer the legal ownership whilst a form DS1 discharges/removes the legal charge.<br> Nothing is 'dissolved' so I am unclear as to what it is you are referring to. If you mean does the lease merge into the freehold and as such is closed/determined then you should include a request for that in panel 4 of your AP1 form - for example Merger or Close Leasehold title.

Poor choice of words perhaps. I meant that the additional title does not exist anymore is closed (the one created / added by Al Rayan bank). The original title is that which is common with flats for example with the 999 year leases.<br> <br> So in Panel 4 of the AP1 form, I should have: <ul> <li>Close or partly close a registered leasehold title (NOT on surrender)</li> <li>Charge (registered) - discharging</li> </ul> And this should, in theory, leave me with one active title with the removal of the bank's name under proprietorship?

Fai Zan - you originally referred to a Transfer so I assume there is&#160; <ul> <li>Transfer of freehold&#160;</li> <li>Discharge</li> <li>Merger - surrender of the leasehold</li> </ul>

Yes that is correct, the way Al Rayan operate, the Bank and Customer are co-owners of the property. The bank is transferring their ownership of the property (TR1) to me. Then the bank also has discharge (DS1) of the mortgage.<br> <br> Finally merger to surrender the leashold (setup by Al Rayan Bank) leaving only one title behind.&#160;<br> <br> Are there any other forms that I would need to fill in (apart from ID1/ID3 form) or provide evidence for. I know this is slightly unconventional so I want to make sure I do this right.<br> &#160;

Fai Zan - AP1, TR1 and ID1/ID3 are the forms needed

Thank You I will get on it right away!

<p>Sorry, Just filling out the final parts, just and confirming the fees section</p> <ul> <li>Transfer of proprietorship - scale 2 fees (based on property value)</li> <li>Discharge - no fee</li> <li>Merger - surrender of the leasehold - scale 2 fees (£40)?? since the lease has no value?</li> </ul>

Fai Zan - just the one fee re the Transfer normally. The merger only attracts a fixed fee if there is no Scale fee involved

I want to remove a charge against a property, how do I download an e-DS1?

Christopher - an e-DS1 is created when a major lender applies through their secure portal to remove a legal charge<br> You can download and print a form DS1 and complete same b y post -&#160;<a href="https://www.gov.uk/government/publications/mortgage-cancellation-of-entries-for-lenders-ds1">Mortgage: cancellation of entries for lenders (DS1) - GOV.UK</a>&#160;<br> You'll also need an application form either a form DS2 <a href="https://www.gov.uk/government/publications/cancel-entries-relating-to-a-charge-registration-ds2">Cancel entries relating to a charge: registration (DS2) - GOV.UK</a>&#160;or form AP1 <a href="https://www.gov.uk/government/publications/change-the-register-ap1">Change the register (AP1) - GOV.UK</a>&#160;<br> Plus identity verification using form IDF1 or ID3 -&#160;<a href="https://www.gov.uk/government/publications/evidence-of-identity-conveyancers">Evidence of identity (PG67) - GOV.UK</a>