You’re offline. This is a read only version of the page.
Skip to main content
Sign in
Home
HMLR Transactional Support Forum
General Info & Guidance
How do I find out what debt or charges are registered against my property please?
How do I find out what debt or charges are registered against my property please?
Posted
Tue, 09 May 2023 11:11:27 GMT
by
Adam Hookway
I have no idea what debts I have and which, if any, are registered with you.<br> I know there's a mortgage but how do I check and confirm what else there is?
Posted
Tue, 09 May 2023 11:22:48 GMT
by
Adam Hookway
If a property is registered then it is the register you need to <a href="https://www.gov.uk/search-property-information-land-registry">view and check</a> to confirm what charges and/or debts are registered<br> We do not offer a service where we check for you by phone or email. You should always check the register yourself as even if it is silent re such entries having that actual register will help when having wider discussions re loans/debts and more<br> There are a variety of ways in which debts/charges might be registered such as<br> <a href="https://www.gov.uk/government/publications/registration-of-legal-charges-and-deeds-of-variation-of-charge">Legal charge </a>- generally referred to as a mortgage<br> <a href="https://www.gov.uk/government/publications/notices-restrictions-and-the-protection-of-third-party-interests-in-the-register">Notices/Restrictions</a> - generally referred to by us as third party interests<br> <a href="https://www.gov.uk/government/publications/charging-orders">Charging orders</a> - can be protected by way of a Notice or as a Restriction depending on the circumstances<br> <br> Legal charges are invariably created when you borrow money from a lender and they then secure it against your property. You would normally be very much aware of any mortgage (legal charge) of course<br> The type of debts, interests and charges referred to under Notices/Restrictions/Charging orders are likely to be less familiar and are often the type of register entry this Question is referencing<br> When such entries are made on the register they generally only refer to the name of the creditor and the date the entry was made.<br> We do not register the amount owed or how much remains to be paid and often that information can only be obtained from the creditor<br> In some cases we will have a copy of the court order/an agreement or similar document submitted at the time of registration. You can a<a href="https://www.gov.uk/get-information-about-property-and-land/copies-of-deeds">pply by post</a> for a copy as appropriate<br> Once you have checked the register if you are unsure with regards the type of entry made or the information we might hold then use <a href="https://customerhelp.landregistry.gov.uk/guide-page-external/?stepid=2b31bc48-eb96-eb11-b1ac-002248413956">our Contact form</a> to get in touch for guidance<br> But if you need legal/financial advice then please do seek wider help as we cannot advise you on such matters. We register the information only
You must be signed in to post in this forum.
Sign in