Updated October 2026 · Fraser Bond
Title checks
A charge on the title can stop a sale until it's dealt with
Chargesregister section C
Restrictionsproprietorship section B
Localland charges search
Small feetitle register
In short: Order the title register from HM Land Registry for a small fee. The charges register (section C) lists mortgages, charging orders and other secured debts; the proprietorship register (section B) shows restrictions that may stop a sale without consent. Separately, a local land charges search reveals council-related charges, such as planning conditions or improvement grants.
| What you might find | What it means | How it's dealt with |
|---|---|---|
| Mortgage charge | Secured lender | Repaid from sale proceeds |
| Charging order | Court-secured debt | Paid off or negotiated before sale |
| Restriction | Consent needed for dispositions | Consent obtained or removed |
| Unilateral notice | Someone claims an interest | Investigate and resolve or cancel |
| Local land charge | Council-registered matter | Revealed in local search |
How to check
1
Order the title registerFrom HM Land Registry, for the property address.
2
Read sections B and CLook for charges, restrictions and notices.
3
Order a local searchUsually done by your solicitor when buying.
4
Get adviceA solicitor can explain how to remove or satisfy entries.
Frequently asked questions
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Can I sell a property with a charge on it?
Yes, if the charge is paid off or released at completion, usually from the sale proceeds.
How do I remove a paid-off charge?
The lender sends discharge confirmation to HM Land Registry; your solicitor can chase it.
Will a charge show on my credit file?
Charging orders may relate to judgments, which can affect your credit.
Selling a property with a charge?
We'll help you plan the sale so it completes smoothly.
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