Guide

What Are Registered Charges on a Property?

Registered charges are entries recorded against a property title, often linked to mortgages or other secured interests.

Quick answer

Registered charges are entries recorded against a property title, often linked to mortgages or other secured interests.

Short answer

Registered charges are legal entries recorded against a property title. They often relate to mortgages or secured lending, but title records can also include other notices, restrictions or rights affecting the property.

Which document shows charges?

The Title Register is usually the document to order if you want to check whether registered charges, mortgages, restrictions or notices are recorded against a registered property title.

Official source: https://www.gov.uk/get-information-about-property-and-land/search-the-register

What a charge entry may tell you

A charge entry may identify that a lender has a registered interest against the property. The wording and detail can vary, and legal interpretation may require a conveyancer or solicitor.

Why charges matter

Charges and restrictions can be relevant when buying, selling, remortgaging, administering an estate, checking title history or reviewing whether a property has secured borrowing recorded against it.

What to order

Order the Title Register if your question is about registered mortgages, charges or restrictions. Order the Title Plan as well if you also need the general extent of the registered title.

Independent service note

LandRegistries.com is independent and does not provide legal, conveyancing or financial advice.

Frequently Asked Questions

Does the Title Register show mortgages?

It can show registered charge information where available, which may include mortgage or lender entries.

Are registered charges the same as debts?

A registered charge is a title entry showing a secured interest. It should not be interpreted without legal or financial advice where the detail matters.

Which document should I order to check charges?

The Title Register is usually the relevant document for checking registered charges or mortgage entries.

Related pages

Property Guides

A central guide hub for property ownership, boundaries, title documents and regional property record systems across England and Wales, Scotland and Northern Ireland.

Title Register

A Title Register is a Land Registry title record that can show key ownership and legal title information for a registered property.

Freehold vs Leasehold Property

Freehold and leasehold describe different forms of property tenure. The Title Register can usually show the registered tenure for a property.

England and Wales Property Records

For property in England and Wales, HM Land Registry records can help identify registered ownership, tenure, title number, charges, rights and the general extent of registered land.

Sources Used