PROPERTY

Before buying property: what the title can tell you

Ownership is only one of the questions a title review can answer.

A property can look straightforward on a viewing and still carry rights or restrictions that affect what a buyer intends to do with it. The title register and title plan are useful early documents, but they should be read alongside the transaction documents and any enquiries raised with the seller.

Start with the registered information

For registered land in England and Wales, HM Land Registry's title register can identify the owner and may record mortgages, rights of way, covenants and other entries. The title plan identifies the property's general position and boundaries; it does not usually settle an exact boundary line.

Read beyond the register

A buyer may also need to examine the lease, planning position, access arrangements and any documents referred to in the register. The useful questions depend on the property and the proposed use. Raise discrepancies early enough to investigate them before exchange or completion.

See HM Land Registry's guide to searching the register for what the public records contain.