The Land Registry's 'Title Information' Document and our Mortgage help!
The Title Information Document is probably one of the most important new documents devised by the Land Registry after the Land Registrations Act 2002 became law in 2003.
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On this page, we take a more detailed look at the Title Information Document, what it is, and the information it contains, together with how we can help when it comes to arranging your mortgage and your solicitor.
Table of Contents:
The Title Information Document explained
So, 'What is the Title Information Document?' you may well be asking if you are reading this. The Title Information Document is quite probably one of the most important new documents devised by HM Land Registry since the Land Registrations Act of 2002 came into place in 2003.
This document has now replaced the Charge Certificate (or Land Certificate), and the Title Deeds package. It is computer produced from HM Land Registry's enormous computerised registry of property records and dealings.
The Title Information Document is the proof of change of ownership issued by the Land Registry to the mortgage provider on issuance of their funding, (or directly to the registered proprietor if there is no mortgage) on transfer of the property, as proof of transfer of ownership of land.
What information does the Title Information Document contain?
The Title Information Document has to contain the following:
- The Title Number
- Property description, and
- The name(s) of the registered proprietor(s).
Can Shire Direct put me in touch with a Solicitor to help with the legal work of a mortgage?
Yes, absolutely!
We have arrangements with solicitors that will take care of the legal and conveyancing work. Competitive all-inclusive packages are available on remortgage work, and fixed fees can usually be arranged for sale and purchase work.
So, if you are considering buying a home for the first time, moving or switching your lender by remortgaging, we would be delighted to discuss your options with you. Why not call one of professionally qualified mortgage specialists to assess your circumstances, needs and aspirations, and we'll come up with just the right product for you!
For more information, and a rapid in-principle decision...
Simply, get in touch with us!
You'll find our service to be friendly, professional and helpful. We have the approach, the skills and the products to help even in the trickiest of circumstances.
We'll carefully assess your circumstances, needs, requirements and aspirations, so that we come up with just the mortgage product for you. Remember our professionally qualified mortgage advisors are available up until 10.00pm everyday (including weekends) on Freephone 08000 282 281, alternatively you can also enquire online at any time. In either instance we'd love to hear from you and will be delighted to help in any way we can.
So, that's the Title Information Document in a nutshell, we hope we've managed to answer any initial questions you may have had. Don't forget there is a wealth of mortgage related information throughout the pages of this site which we're sure you'll find useful, and don't forget we're only ever a free telephone call or couple of mouse clicks away!
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!
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.