Do owners get notified if you purchase title deeds?

[kirkw]

So I’ve just found out that there is something called the update service at the land registry, which updates owners if something happens to their property’s title deeds.

But I wonder, does it notify them if someone orders a copy of the title deeds?!

Rather embarrassingly I ordered a work colleague’s title deeds to their house, and I’d be mortified if it told them I’d ordered it!

The reason I did it is that they’ve been boasting how they were cash buyers without a mortgage for a very expensive property (£4mil)… so I wanted to check if this was true… but it turns out they do have a mortgage…

Why would you do this?! Really odd. I couldn't care less how a colleague funded their house.

Kinda hope they do found out 😂

No I doubt they would be notified but I think you need to question why you felt the need to do this.

Oh wow

Lol, thats the sort of thing I do and no, they don't get notified that you've applied for a copy of the title deeds.

Oh no no no, if you met this guy you’d realise what a monumental knob he is. He was boasting about it and looking down at people who said they were worried about their mortgage rates going up…

No, it doesn't. I have my email stored with the update service for my parents house and recently had to purchase the title deeds- my email address wasn't notified that they had been purchased.

Well now you are each going to know something embarrassing about each other. I'd leave it there.

Meh. I've got a friend who will lie about all sorts of things and I've driven myself demented before now trying to ' catch her out'. I haven't told her that I've found out she's lied, I do it for my own (in)sanity. So it's the kind of thing I can easily see myself doing.

I wouldn't worry OP, they won't get a notification.

He won't know.

The OP knows that he's a liar though. Always worth knowing IMO.

£3 well spent I'm sure. I'm 99% sure they don't get any notification. I've had to do this for less petty work related means and its never been an issue. Even if they did get a notification, I think gdpr woild prevent your details from being shared.

Lol 😂 I don’t think I’d go as far as buying the deeds but I definitely look up the sold prices of houses people I know buy…

OP, now you need to send it to a shared printer just as he is approaching to collect his own stuff!

So, do tell. How much was the mortgage?

Ok phew!! I’ve been sweating!!

Sadly it doesn’t say how much the mortgage is, but apparently the niche bank specialises in large (£1mil+) mortgages! So that might be a hint.

This is hilarious 😄.

So, what info do you get, just that the purchase was originally supported by a mortgage? Do you find out whether a mortgage is still active?

How funny . No they don't get notified. Also you can get a copy of someone's will after probate and nobody is notified (as this is often asked on MN)

It tells you who owns the house, whether there is a mortgage on it, how much it was purchased for and whether there are any charges or second mortgages on it.

So happy you posted this as I've been googling the same thing! I want to download a neighbours title deeds who are building something on land which I'm 99% sure is not theirs...

It's perfectly sensible to do so @Crimblecrumble1990 we had to do it to check out some right of way issues with a neighbour

If there is an outstanding mortgage then the lender will still have a charge registered. It doesn't tell you how much the charge is for just the legal owners names, company names of any charges and the Purchase price and date it was purchased

Doesn't everyone do this 😳

I used to work for a divorce solicitor and we were firm had to get title deeds, without the other party being notified. Don’t worry, they will not be notified.

I’ve bought them for an old neighbour when we were buying our new build. Helped me negotiate money off from the builder! I’ve also downloaded my Grandads will in case my Aunty was lying about to (she wasn’t). Now got new neighbours and will be downloading theirs when it’s available! Downloaded ours too as needed them for a council grant. I didn’t get an email that I had downloaded ours.

This is very funny! What will you do with this info now that you know?? Drop hints?

No, he won't know. (I was a journalist for years and have pulled a gazillion land records in my time!)

I’ve done it a couple of times myself for legitimate reasons and there has never been a notification. I wouldn’t do it on the grounds you’ve done it though, why do you even care if a property is mortgaged? He may gloat but he’s obviously in a great financial position to be granted that high level of mortgage.