Check debt against house

[FridayFeelingmidweek]

Hello. I found an email to my husband saying he has had a loan agreed without my knowledge. This is obviously a huge separate issue personally as I'm pretty stressed sbout why he's taken out £25k.

I've been straight on to Gov uk to pay £3 for Land Registry Title Register, and Section C 'Charges Register' doesn't have anything other than our mortgage on it (date of purchase).

Am I naive to think it would be listed? Assuming I've paid and downloaded the correct paperwork.

TIA

It must be an unsecured personal loan. If the mortgage and title deeds are in both your names you'd have had to sign for the loan.

You're going to have to ask him.

Thanks. I didn't realise there was a difference. Hopefully that means the house isn't at risk. Think I'm going to need legal advice before I talk to him.

Land registry are massively behind with updating records. You should have been informed if anything was being added to the house presuming you're on the deeds.

It could be an unsecured loan. This would only become secured if he defaulted and the company took it to court to secure a ccj and charging order.

I think this is what I need legal advice on - we jointly own the house, so if he did default, I assume the house would still be at risk. Loads of things running through my mind. Very scary.