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You can use the folio to find out who has the title or ownership of a property, without having to read the original deeds. The Land Registry also maintains maps or title plans of property described in the registers.
The Land Registry recently advised that updating the register to add a mortgage or change ownership can take around 4 to 6 weeks, whilst creating a first registration, transfer of part, or a new lease is likely to take anywhere between 6 to 12 months.
Schedule B-2 in a title commitment lists all matters that constitute an encumbrance on the title to the property. If these matters are not disposed of in some manner (such as the release of an existing deed of trust), they will appear in Schedule B of the final title policy.
Schedule A- Actual Facts Name(s) of proposed insured(s) (Owner & Lender)
How Can I Find Out Who Owns a Property for Free? Head to GOV.UK and conduct a title deeds search. HM Land Registry holds records on most property or land sold in England or Wales since 1993. These records include details of the title register, title plan, title summary and flood risk indicator.
The First Schedule on a title search shows the owner or owners of the land. If there is more than one owner, the mode of sharing ownership is also shown. Joint tenants own the land together and if one tenant dies, the ownership is passed to the other tenant.
If your property isn't registered, it doesn't mean there is a problem with your ownership it simply means there hasn't been a transaction to trigger the requirement to register since it became compulsory for your area.
With effect from 19 March 2007, the Land Registry will treat communications marked "confidential" that are received in relation to objections to registration of land as potentially disclosable.
By registering title to land in Northern Ireland, there is a register of landowners whose title is guaranteed by the state. This information is important when transferring or mortgaging land. You can search Land Registry to find out who owns land or a property.
Get historical title registers You may be able to find out who owned the property before the current owner from a historical title register. It can also be useful if you're trying to find out how old a property is. Ask HM Land Registry to search who owned the property for a specific date or multiple dates.