A look at Registered Title and right of ownership and our available Mortgage services and help
Registered Title is the legal evidence of title, and confirms the right of ownership of a property that has been registered at HM Land Registry.
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This page takes a closer look at Registered Title and right of ownership, and why the information held in the Land Register could be useful to you. We also explore ways of how to inspect the Land Register, as well as provide details of our mortgage services, and how we might be able to help you even in the trickiest of circumstances!
Table of Contents:
What is Registered Title exactly? Registered Title explained!
So what is Registered Title then? Well, as we hit upon in the introductory text, Registered Title confirms the right of ownership of a property that has been registered at HM Land Registry and serves as legal evidence of title to a property.
Once registered, ownership of the property, together with the rights that are attached to it, is guaranteed by the State. All interests in land that are registered at the Land Registry are allocated a unique Title Number.
The entry within the register contains a range of information about the Title, its owners, and any charges that may affect the land.
The register is divided into three sections:
- The Property Register (describes the property)
- The Proprietorship Register (records who owns the property)
- The Charges Register (details mortgages or other rights affecting the property)
Therefore an inspection of the registered title will reveal:
- who owns it
- a description of the property
- the mortgage lender
- rights of way and other rights affecting the property
- restrictions and other conditions
Why is the information contained within registered title useful to me?
Registered title can be useful if you:
- want to find out who owns a particular property
- need to inspect the register or a title plan of a property you own
- want to confirm the extent of a property
- have seen an unoccupied property and would like to contact the owner with a view to purchasing it
- lease or rent property and need to contact the landlord
I want to inspect the Land Register. Could Shire Direct do this for me?
Yes, we can.
However, the Land Register is also open to members of the public, so you may wish to inspect it for yourself.
Further information on our Mortgage Services and the home buying process...
Shire Direct is authorised and regulated by the Financial Services Authority, and we will provide you with advice and a recommendation on a mortgage product drawn from our extensive portfolio of lenders and plans contained within our lender panels that are designed to cover your requirements, needs, circumstances, and aspirations - whatever your circumstances!
As you have probably discovered, today's mortgage marketplace is extremely complex, and choosing just the right product for you can be daunting. That's where Shire Direct can really help. Our lender panels are geared to provide a comprehensive selection to enable us to be able to provide the most appropriate scheme for you. We are confident that you will find our approach to be slick and pragmatic. We'll provide you with a rapid in-principle decision, and we work closely with the lender, solicitor and property valuer to ensure we achieve a suitable offer of mortgage as quickly as possible.
We've a great product range!
There's a tremendous range of mortgage products in the marketplace these days, and our lender panels provide our customers with a wealth of choice, and here they are:
- Fixed Rates
- Standard Variable Rates
- Discounted Rates
- Flexible Mortgages
- Base Rate Trackers
- Cashback Mortgages
- Off-set Mortgages
- 125% Mortgage Schemes
- Bridging Loans
- Commercial Finance
Advice and service always come first at Shire Direct!
Arranging a mortgage - the right mortgage, is crucial. So the first thing we do is get to understand your circumstances, needs, requirements and aspirations. Afterall, your mortgage is usually the largest financial transaction you'll ever enter into, and getting it right from the outset is extremely important.
Get in touch to see how we can help!
So for more information and a rapid in-principle decision why not get in touch! Either call us FREE on 08000 282 281 (lines open 7 days a week from 8am until 10pm) or enquire online at any time!
You'll find our service to be friendly yet professional, helpful and not at all stuffy. We have the approach, the skills and the products to help even in the trickiest of circumstances.
We'll carefully assess your requirements together with your needs, circumstances, and aspirations so that we can come up with just the right mortgage product for you! So why not Contact Us today, you'll be glad you did!
So, we hope we've managed to explain Registered Title, and right of ownership, together with why the information held in the Land Register may be useful to you. You'll find much more mortgage related information across the pages of this site, and if you feel we can be of help then we're only a free phone call or couple of mouse clicks away and we'd love to hear from you!
The overall cost for comparison is 9.8% APR.
The actual rate available will depend upon your circumstances. Ask for a personalised illustration. APR variable and based on a usual case. Most customers are likely to receive a lower rate or the same rate as our overall cost for comparison rate - learn more about APR.
There are no upfront broker fees.
However, a fee may be charged on successful completion. An indication is that on conforming cases (straightforward applications with no or minimal adverse credit) a fee may be charged of up to 1% of the amount advanced, typically £795 and will depend on your circumstances.
For non-conforming cases (where case research and processing may be more complex due to adverse credit or unusual circumstances), a fee may be charged of up to 3% of the amount advanced, typically £1,995.
THINK CAREFULLY BEFORE
SECURING OTHER DEBTS AGAINST YOUR HOME.
YOUR HOME MAY BE REPOSSESSED
IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR ANY OTHER DEBT SECURED ON IT.
Adding existing debt to your mortgage will increase the repayment term and overall cost.
Are you worried and becoming stressed because you are having problems getting a mortgage or remortgage? Worry and stress no more! Here at Shire Direct we provide tailor made mortgage solutions to suit you, and can usually help with all kinds of circumstances including...
Remember, we're here to help, and would love to hear from you!
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Shire Direct and Shire Direct Mortgages are trading styles of Shire Processing Centre Limited which is
Authorised and regulated by the Financial Services Authority in respect of regulated mortgage products and general insurances.
Registered No: 302389. Commercial funding and Secured Loans are not regulated by the FSA.
Licensed Credit Brokers. Consumer Credit Licence Number: 349999.
Shire Processing Centre Limited is registered under the provisions of the Data Protection Act by the Information Commissioners Office: Registration No: Z6795249. Registered in England & Wales. Company number: 2732202. Telephone calls may be recorded for training, monitoring and security purposes. All applicants must be aged 18-years or over.