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Posted Fri, 17 Oct 2025 10:59:59 GMT by Jennifer Gibson
Hello! 

I am seeking to purchase a property in England but have discovered that the house is on one title and the land (approx 12 acres) is on a separate title (both owned by the same individual).  The seller listed it for sale as a whole and we agreed upon a price.  However, my mortgage lender requires that it be conveyed on one title.  The property solicitors on both sides of the transaction seem to think the land registry will not agree to merging the two titles into one.   This will unfortunately make it impossible for me to proceed with the purchase. Can you please advise? 
Posted Fri, 17 Oct 2025 11:54:58 GMT by Nimish Patel
Hello Jennifer - You posed the same question on another thread and I referred to our response on that thread, however, for ease of reference have set it out again here: 
 

We do not amalgamate titles unless some positive advantage accrues to a number of prospective purchasers (such as an amalgamation of areas of land comprising a housing development), or the request does not add unnecessarily to our workload.

Amalgamation can only happen where: 

  • the estates are of the same kind [for example, freehold title] 
  • the estates are owned by the same proprietor[s] and in the same capacity [for example, if an owner holds one title as joint proprietor and another as sole proprietor, amalgamation of the two cannot take place]
  • the impact upon any encumbrances on individual titles, such as mortgages, have been accounted for  
If you wish to apply for amalgamation we will need to complete and submit:
  • Form AP1
  • a covering letter outlining the reasons for the request along with any supporting evidence [If you are being refused insurance, for example, then you should include a copy of that refusal with the application]
  • a sufficient description or plan of the land being amalgamated 
  • a fee of £40.00 [cheques/postal orders to be made payable to HM Land Registry]

To find out where to send the completed form, see Land Registry address for applications.

The application and any supporting documentation will be considered on receipt.

I would suggest you speak to your solicitor as they will know what to do. 

Posted Fri, 17 Oct 2025 12:01:36 GMT by Jennifer Gibson

Hi Nimish, thank you for the response! Sorry for the duplication.

Can you please clarify to me what it means by positive advantage to a number of prospective purchasers? 
 

my purchase of the property is only possible if the titles are merged into a single title as that’s what the lender requires. 
 

Posted Fri, 17 Oct 2025 12:54:37 GMT by Nimish Patel
Hi Jennifer - apologies for the confusion.   In your situation it has to be positive advantage to you and the lender. 
Posted Fri, 17 Oct 2025 13:15:06 GMT by Jennifer Gibson

Nimish, so if my lender is requiring the amalgamation of the two titles in order to extend the mortgage, would this reason be accepted by the land registry?  
 

If so, at what stage should the Form AP1 be filed? And by who? Should the seller apply for amalgamation? 
 

Appreciate your guidance! 

Posted Fri, 17 Oct 2025 13:51:05 GMT by Nimish Patel
Jennifer - We cannot tell you if the lender's reason would be acceptable or not without an application being submitted.  Who submits the application is something that you need to discuss with your solicitor. 

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