FLR (M) title deeds delay
Hi
we bought a home and closed in January, we are waiting for the title deeds back from the land registry but they are obviously very busy. Are they essential for the accommodation section? I have council tax, mortgage documents, closing statement etc. If we didn’t get the deeds through in time for the application would that be an issue? thanks RB |
Re: FLR (M) title deeds delay
Originally Posted by movingtolakes
(Post 12976773)
Hi
we bought a home and closed in January, we are waiting for the title deeds back from the land registry but they are obviously very busy. Are they essential for the accommodation section? I have council tax, mortgage documents, closing statement etc. If we didn’t get the deeds through in time for the application would that be an issue? thanks RB |
Re: FLR (M) title deeds delay
Originally Posted by movingtolakes
(Post 12976773)
Hi
we bought a home and closed in January, we are waiting for the title deeds back from the land registry but they are obviously very busy. Are they essential for the accommodation section? I have council tax, mortgage documents, closing statement etc. If we didn’t get the deeds through in time for the application would that be an issue? thanks RB |
Re: FLR (M) title deeds delay
Originally Posted by christmasoompa
(Post 12976779)
You mention mortgage documents? If the property is mortgaged you don’t normally get the deeds, they’re held by the mortgage lender until it’s paid in full.
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Re: FLR (M) title deeds delay
Originally Posted by movingtolakes
(Post 12976782)
I have a letter from the bank confirming the completion of the mortgage from the day we closed, I also have a letter from the solicitor confirming the completion of the purchase with summary of various funds and payments. I don’t know if it’s the anxiety related to the pandemic that’s got me so stressed - the FLR won’t be submitted until early May so I still have time to wait on the land registry to deal with the registration process.
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Re: FLR (M) title deeds delay
Originally Posted by christmasoompa
(Post 12976783)
Ok, so you won’t get the deeds anyway, the title deeds will be sent directly to your mortgage company. Sounds like you’ve got enough though.
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Re: FLR (M) title deeds delay
Originally Posted by movingtolakes
(Post 12976784)
I think it’s the title register i need for the FLR though not the deeds? You can request a copy of the title register from the gov land registry website once the property has been changed into my name, I suppose it’s that I am waiting on but maybe I don’t need it anyway? Thanks for responses
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Re: FLR (M) title deeds delay
Originally Posted by christmasoompa
(Post 12976787)
I can't see why you'd need it tbh, your solicitor should send you a copy of the title when it's all gone through but it sounds like you've got more than enough proof anyway.
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Re: FLR (M) title deeds delay
Originally Posted by movingtolakes
(Post 12976790)
thanks - I hope I’ll get it by then anyway just I looked at many FLR checklists on here and most people who own a home do provide a copy of the title register as part of the application which is why I’m stressing so much
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Re: FLR (M) title deeds delay
Originally Posted by movingtolakes
(Post 12976790)
thanks - I hope I’ll get it by then anyway just I looked at many FLR checklists on here and most people who own a home do provide a copy of the title register as part of the application which is why I’m stressing so much
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Re: FLR (M) title deeds delay
Originally Posted by movingtolakes
(Post 12976784)
I think it’s the title register i need for the FLR though not the deeds? You can request a copy of the title register from the gov land registry website once the property has been changed into my name, I suppose it’s that I am waiting on but maybe I don’t need it anyway? Thanks for responses
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Re: FLR (M) title deeds delay
Not an issue if you provide your mortgage agreement.
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Re: FLR (M) title deeds delay
Hi Update on this - i did finally (only just) get the title deeps in the form of an original copy, one page with the deeds and then an A3 sized map of the plot. Do i need to include the A3 map of the plot also? Would be a problem to scan it as i only have an A4 scanner - thankyou
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Re: FLR (M) title deeds delay
Originally Posted by movingtolakes
(Post 12991067)
Hi Update on this - i did finally (only just) get the title deeps in the form of an original copy, one page with the deeds and then an A3 sized map of the plot. Do i need to include the A3 map of the plot also? Would be a problem to scan it as i only have an A4 scanner - thankyou
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