From Application to Approval: A Guide to the Land Registry Process
Understanding the Land Registry process – a crucial step for homeowners in England and Wales – can seem daunting, but with the expertise of our Key2 Conveyancing Team, we aim to simplify things and provide clarity. Whether you’re moving or remortgaging, our guide will equip you with the knowledge you need and offer insight into how our services can support you.
What is the Land Registry Process?
HM Land Registry is a non-ministerial department responsible for registering the ownership of land and property in England and Wales. This process is essential for legal ownership transfer, ensuring that any changes in land ownership and charges against a property are correctly recorded.
Key Steps in the Land Registry Process
1. Submission of Application – The process starts with the submission of an application to the Land Registry, usually done by your conveyancer once your move or remortgage is finalised.
2. Checking of Details – The Land Registry checks the application details against existing records to ensure accuracy and legality.
3. Register Update – Once everything is verified, the Land Registry updates the register to reflect the new ownership status, or any other change detailed in the application.
Electronic Transfers and Signature Requirements
In response to modern needs and particularly following COVID-19, the Land Registry has enhanced its digital services. This includes accepting electronic signatures and supporting the use of electronic transfers. These steps help streamline the process, which will ultimately make transactions faster and more secure.
Common Delays and Expedited Options
Delays can occur due to discrepancies in the application, incomplete documents, or issues with the property’s title. To mitigate these delays, Key2 Conveyancers ensure all paperwork is completed accurately and submitted promptly. In some very specific, urgent cases, expedited services are available, though they may incur additional fees.
Frequently Asked Questions
What is a Title Deed?
A Land Registry Title Deed is an official document, detailing the ownership and rights associated with a property or piece of land. It includes information such as the property’s legal description, ownership history, and any rights or obligations.
How does a Title Deed differ from a Title Plan?
Unlike a title deed, which is a detailed legal document listing the owner’s rights and responsibilities, the title plan focuses solely on the physical dimensions and layout of the property. A title plan visually shows where a property’s legal boundaries are, using a section of the Ordnance Survey (OS) map. On this map, buildings, hedges, and streets are marked with black lines. A red line called ‘the extent’ outlines the property’s registered boundaries.
How Can Delays Be Avoided?
Delays are often due to documentation errors. Your Conveyancer will double-check all details and work diligently to ensure all requirements are met. Sometimes the Land Registry may ask us additional questions that we need to satisfy before the matter is finalised.
How Has COVID-19 Impacted the Land Registry Process?
COVID-19 had a significant impact on lead times for the Land Registry. A massive reduction in capacity coupled with a surge in demand created by the stamp duty holiday has created an ongoing backlog meaning many registrations are taking in excess of 12-18 months to finalise. This has pushed the Land Registry towards more digital solutions, such as accepting electronic signatures. This shift has helped reduce in-person interactions and will improve processing times once the back log is cleared.
Can I Track the Progress of my House Purchase?
Absolutely! With our 24-hour online case tracker, you can monitor the case progress at a time that suits you. This tool is part of our commitment to transparency and customer service.
Why Choose Key2 Conveyancing?
Accredited to The Law Society Conveyancing Quality Scheme, our Key2 Conveyancing Team is experienced in both Freehold and Leasehold properties, including Shared Ownership and Newbuilds. Whether you’re moving home or remortgaging, our team’s expertise ensures that your property transaction is as smooth and stress-free as possible.
Get a No Obligation Quote Today
If you’re planning a move or need support with a remortgage, don’t hesitate to get in touch for a no-obligation quote. Discover how our Key2 Conveyancing Team can assist you!
We’re here to ensure that your conveyancing process is as seamless and straightforward as possible, giving you peace of mind and more time to look forward to being in your new home.
