Land registry after new build complete who owns it ??

[Pocster]

What do I do about this ?

I assume there’s no land registry entry as build hasn’t transferred ownership …

 

Who owns our house ? 🤣

Should I do something here ? - best in both names ? ( me and SWMBO not me and mistress ) .

 

Only just thought of this issue !!

[Pocster]

So I split the land for the build some years ago . Is that sufficient??? . Guess perhaps it is in the registry … 🤔

[ProDave]

Land registry etc would have been dealt with when you bought it, whatever it was then, even an empty piece of ground (as ours was).  Not something you usually have to worry about at completion.

 

Do you find it listed here?  https://www.findmyaddress.co.uk/search

[Pocster]

12 minutes ago, ProDave said:

Land registry etc would have been dealt with when you bought it, whatever it was then, even an empty piece of ground (as ours was).  Not something you usually have to worry about at completion.

 

Do you find it listed here?  https://www.findmyaddress.co.uk/search

Yeah it shows on there .

 

So that means the land is registered correctly ?

But who owns the house ? Same as land registry ? I.e whose name is on that 

[ProDave]

Whoever owns the land owns the buildings on it, unless they are leased to someone by leasehold

 

 

[SteamyTea]

Your creditors may have a charge on your land, or may be able to get one.

I don't think there is any difference between land, house or land and house as far as 'domestic' is concerned, as long as you own both.

But I do see what you are getting at.

I could buy some land, plonk something of value on it, and an insurance company, may claim that I was only insuring the land, not the stuff on it.

Have a word with your bank, they should know about this sort of stuff, they deal with it quite a lot, even of you don't have a loan from them.

[Pocster]

Because it’s a self build that’s why I was confused . I split the land ( which I think is in my name ) . Therefore the build is solely in my name ? . Should I change that to joint ?? I.e in event of death for one of us …

[Kelvin]

Our land registry entry (the map) has automatically been updated to show the house and garage on it. We didn’t do anything. Not sure when it happened. The land is registered in both our names. 

[Kelvin]

25 minutes ago, Pocster said:

Because it’s a self build that’s why I was confused . I split the land ( which I think is in my name ) . Therefore the build is solely in my name ? . Should I change that to joint ?? I.e in event of death for one of us …

If you’re married it won’t matter but it’s always better to have stuff you jointly own in joint names. My other half has had no end of grief trying to sort her dad’s stuff out after he died because it was in his name only. Further complicated because she has PoA for her mum. 

[Pocster]

1 minute ago, Kelvin said:

If you’re married it won’t matter but it’s always better to have stuff you jointly own in joint names. My other half has had no end of grief trying to sort her dad’s stuff out after he died because it was in his name only. Further complicated because she has PoA for her mum. 

Yeah married …. For now ! 🤣 . 
I suspect as it’s taken years just to deal with land registry issues it’s all in my name ( just to simplify ) . I need to check with land registry ; if no SWMBO - add her on .

[ProDave]

26 minutes ago, Kelvin said:

Our land registry entry (the map) has automatically been updated to show the house and garage on it. We didn’t do anything. Not sure when it happened. The land is registered in both our names. 

The land registry maps are OS derived.  I think the OS do a good job of mapping new buildings that appear on land.  I never told them anything but like you the LR OS map now shows a pretty good outline of the buildings on the site, including our static caravan.  I did once see a man with a packpack with an aerial on it, walking around the perimeter of a new build house clearly recording the position of each corner of the building.  Someone must have done that here, but nobody asked my permission to do so.

[Pocster]

4 minutes ago, ProDave said:

The land registry maps are OS derived.  I think the OS do a good job of mapping new buildings that appear on land.  I never told them anything but like you the LR OS map now shows a pretty good outline of the buildings on the site, including our static caravan.  I did once see a man with a packpack with an aerial on it, walking around the perimeter of a new build house clearly recording the position of each corner of the building.  Someone must have done that here, but nobody asked my permission to do so.

The actual point shown is next door I.e the original house before the build . I assumed accuracy was an issue - the address listed was correct though 

[ProDave]

This is how ours shows on the LR maps

 

 

We registered it as a bit of empty land.  The building outlines and house name just appeared on the map as if by magic.

[Pocster]

3 minutes ago, ProDave said:

This is how ours shows on the LR maps

 

 

We registered it as a bit of empty land.  The building outlines and house name just appeared on the map as if by magic.

Mine not like that . Just a pointer to the original house - not the new build . But it listed the new build name etc correctly .

[Kelvin]

On ours it has the the house and  garage shown fairly accurately. However, on the list of properties the house isn’t listed and the land just has the original name (address) associated with it which is what’s on our title. Therefore, it’s as @ProDavesays the map is the updated OS map but the registration on the land registry is just as it was, land only. I might follow this with the Scottish land registry. 

[ProDave]

Does @Pocster care to post a screen grab of how his shows.

 

@Kelvin  Ours shows just by searching for the postcode.

 

It is listed as "land only"  the Scottish Register says "Registers of Scotland records six property types: residential, commercial, land, agriculture, forestry and other. The property type information is provided by the agent on the application for registration."  I see no pressing need to change it from land to residential.

[Kelvin]

I agree but worth a call to them. Shall update here what they say. 

[Susie]

4 hours ago, Pocster said:

Yeah it shows on there .

 

So that means the land is registered correctly ?

But who owns the house ? Same as land registry ? I.e whose name is on that 

I don’t think a property being on the findmyaddrees search has any link to land registry and titles. 
When I use findmyaddress I can find my existing property and the unfinished new build. Our land is all under one title with two properties on it and both addresses are correct on the search. 
I presume in my case it’s because Cornwall council have assigned us a UPRN either when we named the build or now we have started the build. 

From the website. 

UPRNs are allocated against a property or street as soon as ‘construction' begins or ‘street naming and numbering' has been carried out – whichever comes first.

 

 

try searching on here 

https://www.gov.uk/search-property-information-land-registry

on this search my existing property it gives some details and says for example the name how HM Land Registry have described the property in the register.  But for my new build not registered it says ‘no information held’ which is correct, until we split the title Land Registry don’t know about it. 
 

 

[Kelvin]

Spoke with the Scottish Land Registry. Obviously this relates to Scotland so the information might not relate to England. 
 

1. The land registry only particularly cares about the land so it doesn’t matter to them necessarily what subsequently gets built on it. 

2. It is possible to change the entry for the title to update it with the new address. You can do this via their online portal link below. You need to provide evidence (council tax bill showing new address) It’s a free service but will take some time. 
 

https://scotlis.ros.gov.uk/title-enquiry
 

3. There’s no guarantee the rectification team will make the change however. Ordinarily any changes are done at the point a title is changing ownership so old title says this new title should that. 
 

4. Title inaccuracies can cause delays when applying for a new mortgage or hold up a sale. It can take weeks to resolve so making a request to rectify before you really need to do so can stop these delays. Clearly depends on your circumstances. No mortgage or plans to sell in the immediate future then no need to change anything. We had exactly this issue with the sale of our previous house. Caused weeks of delay. Eventually only sorted because I phoned the land registry myself, explained the situation and the very helpful lady made the change while I was on the phone. 

 

 

[ProDave]

Personally I won't do anything.

 

When selling our old house, that was still listed on the paper registry not on line so as soon as I informed our solicitor that we were going to sell it, he put in place the transfer to the electronic registry so it was all ready and would not cause delays.  Should we ever decide to sell this one, we will do the same, make any changes at the time we are selling.

[Bancroft]

You can get a copy of the Land Registry documents for your land/property for about £3 (last time I did it).  That might answer some questions.

Also, worthwhile setting up a Land Registry Alert on their system.  That way, if anyone tries to put a charge on your property or land you will be informed and can stop them.