Lawyers for Possessory Title Applications

Possessory Title is a class of land ownership titles which is awarded in cases in which Title Absolute could not be granted to the owner. This could be because the title deeds have been lost, destroyed, or stolen, or because a claim for Adverse Possession has been made for the property. Having a Possessory Title to a property is considered by the HM Land Registry as a defect in the documentation, and it may be possible for another party to dispute your right to ownership.

Many older properties, which pre-date electronic title registration, may have a possessory title if they are missing the physical deeds. These properties can still be bought and sold, however their value may be affected.

The most general application is that someone who has possessed land without the actual owner’s permission, to the exclusion of the owner and everyone else, known as Adverse Possession. They might have the right to apply to the Land Registry to be registered as having the right to possess the land indefinitely. This can happen:

• after 10 years, if the land was registered with HM Land Registry, or
• after 12 years, if the land has never been registered before.

A tenant can never get these rights to land they came into occupation of as tenant – regardless of whether they actually pay any rent.

This product comprises taking your instructions and then preparing the necessary evidence and application to HM Land Registry for you to be registered with possessory title.

If you have owned a property with a Possessory Title for 12 uninterrupted years, you will be able to make an application to the HM Land Registry to obtain a Title Absolute. This is often advisable, as it consolidates your position as the owner of the land, and it makes selling the properties easier, and likely more profitable.

As the Land Registry considers Possessory Titles to be “defective”, you will need to prove that all defects in the titles have been addressed.

If you have been recently granted a Title Absolute as an upgrade from a Possessory Title, your ownership rights may still be challenged by interested parties. It’s important to bring a strong case for a Title Absolute on a property obtained through Adverse Possession or Possessory Title, as any misleading or fraudulent information could result in the title being reverted, and even legal action against you.

It’s vital to have the legal support of expert Possessory Title Solicitors to ensure your ownership of a property is as secure as it can be. Contact us today to assess your case with our team.

While transactions involving possessory titles are viewed as riskier than standard property sales, you can borrow from lenders to buy properties of this kind. Mortgage lenders will generally ask for additional information and documentation to ensure the transaction is safe and conducted in a way that protects everyone’s interests.

They will first ask to be informed if the property has a possessory title associated with it. The seller will also need to produce a Statutory Declaration, which must include all relevant information such as length of undisputed ownership.

It’s advisable to obtain Possessory Title Indemnity Insurance as an additional method of protection against claims by interested parties.

All of these steps can help you secure a mortgage for a Possessory Title property, but it’s important to note that some lenders may decide not to fund these purchases.

The production of the application and evidence is a complicated job that can take several hours once we can schedule it in our workflow, that can depend on how busy we are at any particular time. We would not usually take-on a job for which we could not engage within about a working week. However, we find getting complete instructions in these cases often takes days or weeks.

The completed application will then need to be submitted to HM Land Registry for registration. The time HM Land Registry takes to process such a registration varies greatly, depending on how busy they are. Some applications are processed very quickly, up to “next day”; however, most applications appear to languish awaiting HM Land Registry attention; in 2021, many applications have taken about 6 months to be registered – and some types of application can take even longer than that, unfortunately. However, once submitted HM Land Registry processes applications on any title in order of submission – so their delay ought not to affect the priority of your application relative to other matters on that title.