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…

It may be that the mortgage has been repaid but he has failed to have the charge removed. That sometimes does happen.

They don't get notified about that but if there's a proper conveyancing application there a service that if registered they'd get a notification.
I got the deeds to most of the houses we seriously considered buying and none of them mentioned it and one when I let on I knew about something was horrified I could look (because they were hiding something).

No you’re fine. I bought title deeds for houses either side of ours when in the process of buying so I could Google the owners 😁

A friend of mine recommended it btw after she wound up living next door to a convicted drug dealer who apparently hadn’t ‘reformed’… she reckons she would have done a bit more due diligence (going around in the late evening rather than just the day) if it had tipped her off. For the sake of £3, why not?

If the property is rented though, it wouldn’t make a difference as it would be the landlord’s name..

I bought title deeds for houses either side of ours when in the process of buying so I could Google the owners

wowsers I never thought of this!

If a title company doesn't contact me directly and make me come in and see them before they file any paperwork that has to do with my home they should be held completely liable.

I’ve bought all my neighbours land register information simply because they have garages adjoining our land that were bought independently from their houses that they’re not adjacent to and one owner started thinking parts of our land was part of his garages land. He wasn’t notified, at least until I showed him his deeds and mine to “clarify” ownership.

we also got copies of DD’s neighbours deeds as their front gardens don’t resemble the actual layout of their 70s built homes, but they are all wrong not just DDs.

no one has ever been notified so you’re in the clear OP!

No they don't, it's public information not private they're not entitled to be contacted

Sorry but what does this actually mean?
I don't understand what you're trying to say.

This is what triggers an alert from HMLR

.Alert information: Property alertWe will send you an email alert each time there is significant activity on the property you are monitoring, such as if a new mortgage is taken out against it.

The alert will tell you the type of activity (such as an application to change the register or a notification that an application may be due), who the applicant is and the date and time it has been received.

Not all alert emails will mean fraudulent activity. If you don’t think the alert email is about any suspicious activity, you don’t need to do anything.

Signing up to Property Alert won’t automatically stop fraud from happening. You will need to decide if the activity on the property is potentially fraudulent and act quickly if so. The alert email will tell you who to contact

When I was dealing with DM's estate I had alerts set up on her house. I received one alert between exchange and completion and one about 11 months later that the title had been updated. Both had the buyers' solicitor's name on (also their reference which happened to be the buyers' names but could probably have been anything they chose)

It's possible that although they have a mortgage, it might be fixed for a very long time, say 10 years.

Hence the ability to not worry about increasing rates.