Where property is registered with HM Land Registry the Charge Certificate will prove the ownership or transfer of land. This includes Freehold and Leasehold Interests.

The registered proprietor will be issued with the certificate. If there is a mortgage in place then the certificate will be issued to the lender (The Mortgagee).

The charge certificate contains:

(i) the charges register

(ii) the property register

(iii) the proprietorships register

Details relating to the tenure of the property, the price paid (if bought after 2000), the current owners and any restrictions on ownership will be listed in this document.

For more details on the documents relating to the ownership of land you may want to visit the HM Land Registry website or contact Mortgage Required on 01628 507477.

Recent posts

With the stamp duty relief ending in England and Northern Ireland, we have listed the top 10 cheapest areas for first-time buyers as published by Rightmove. 

Are you looking to purchase your first home but unsure where to begin? Here are some tips to get you started.

Choosing which fixed rate to go for has been a dilemma for many of our clients so far this year. There really isn’t a right or wrong answer, but below we will look into the pros and cons of a two-year and five-year to help you make the right decision for you.

Here are the lowest fixed mortgage rates of the week, available to first-time buyers, home movers, buy-to-let, and those remortgaging.

Call us for more information: 01628 507477 or email: team@mortgagerequired.com.

According to Rightmove, a whopping 500,000 UK homebuyers are rushing to finalise their home purchase before the new Stamp Duty rules change in April.

The UK government is introducing new rules for Energy Performance Certificates (EPCs) that will impact landlords. Here's a summary of the key changes

Choosing to buy a house is one of the biggest decisions you are likely to make in your lifetime. There are many factors that influence a house purchase, these include: finances, housing market conditions, and mortgage rates.

Since being launched back in 1999 Individual Saving Accounts (ISAs) have been very popular for those wanting to put money into savings. There are four types of ISA, and the majority allow flexible saving and the ability to withdraw funds easily. There are financial penalties on certain products, these usually pay the most interest.