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What Are Title Deeds? A Beginner’s Guide

Whether you’re buying or selling a home, you’re probably going to hear the term ‘title deeds’ quite a lot. This is why you need to know what they are, and why they’re so important.

We answer the question “what are title deeds?” so you can approach your next property transaction with your eyes wide open.

A title deed is a document that formally registers the legal owner of land and property. As well as providing information about the owner, the document also includes a brief history of the property. Other information on a title deed contains details of any mortgages secured on the property, contracts for sales and recent conveyances.

Property burdens

What are title deeds

A solicitor or conveyancer needs to see a title deed before proceeding with the exchange of contracts. This is because the ‘property burdens’ listed on the document must be met. Among the most common property burdens are:

  • Restrictions on extending and improving the property
  • Maintenance and significant repairs to the property
  • Access to the property
  • Restrictions on how the building can be used
  • Whether or not rights to roads on the property exist

Title deeds are now stored digitally on the Land Registry website. This makes accessing them very easy. However, a paper version is usually stored by a solicitor or conveyancer for future reference.

Accessing a title deed

If you ever need to access a title deed, you can do so through the Land Registry. In the first instance, search for the deed on the Land Registry website. You don’t need to own the property to access the document. This means you can check the details of ownership and property burdens before you make an offer.

Download a copy of the title register. You need this to find the title number. You can then complete a deeds request form — available online.

Transferring title deeds

What are title deeds?

It is possible to add and remove names from a title deed. For example, if a new spouse is moving into your home, you might wish to add their name to the deed. Other reasons to change the names on the document include death and divorce.

Follow these steps if you need to amend the information on your title deed:

  • Complete an AP1 form — available on the UK Government website
  • Choose whether to transfer all or just a proportion of the property
  • Confirm your identity
  • Ascertain the fee associated with your particular application
  • Send the full application to HM Land Registry

You may run into a few problems when trying to make a chance to your title deed for the first time. For example, your original deed might be lost or destroyed. This was relatively common before records were digitalised, as documents used to change hands between solicitors and conveyancers every time a property was sold.

You may also encounter a problem known as ‘adverse possession’. This is when your property is standing on land you don’t legally own. This can happen by accident when the property is first registered. You might also discover that ownership of the land on which your property stands is unknown.

If you encounter problems with your title deed, seek legal advice. If you need to sell a house fast, we buy any property. Call us today for a free, no-obligation valuation.

How to Sell a House Online Fast

The internet is an excellent resource if you need to sell a house fast. You can stay in control of the process while reaching an enormous audience. But it’s not without its challenges.

While there’s still a lot to be said for traditional estate agents, marketing your home on the internet can save you money — at least on upfront costs. But how do you sell a house online fast? And how do you maximise the sale price you achieve?

We’ve put together a few options to make your first foray into online house selling as easy as possible.

Find a reputable online estate agency

Several national online estate agencies allow you to list a house for sale from the comfort of your own home. They help with marketing and many of the logistics involved, but they aren’t without their issues. Companies such as Hatched, eMoov and PurpleBricks deliver results, but hidden fees and inaccurate marketing are just two of the criticisms thrown their way in recent years.

There are also property directories that allow you to create your property listing for a small fee. Sites like OnTheMarket give you the tools, but you remain in control of marketing and all the other processes involved.

Go it alone

Sell a house online

Nothing is stopping you from taking full control of your house sale online. You can, for example, create your website using a basic site-building service such as Weebly. Upload some quality photos and write detailed descriptions for every room.

If you’re playing the part of an estate agent, you should take every possible opportunity to market your home. Get on discussion boards and forums. Add comments to popular local websites. Stay active on all your social media accounts — using pages and communities on Facebook and hashtags on Twitter.

And don’t be afraid to use an online estate agency or property directory alongside your independent strategies. The more people you can reach, the faster you’ll sell your home.

Sell to a house buying company

Perhaps the fastest and simplest way to sell a house online is to approach a national house buying company such as SellPropertyFastCash. They value your home and make you an offer based on current market conditions. And while you might have to take a modest hit on the sale price, you can shave several weeks off the entire process.

Make the initial approach online by filling out a contact form. You might be asked for basic details of your home, including the address, how many bedrooms it has and its current state of repair. Experts value the property before making an offer.

If you accept the offer, everything else is taken care of by the company. You don’t need to spend time on marketing, property viewings, conveyancing, or worrying about collapsed property chains. In many cases, you’ll get the proceeds of the sale within just four weeks.

A few tips for selling a home online

Take great photos

How to sell a house online

The quality of your property photos is crucial when you’re selling a house online. Make sure the rooms are well lit — preferably by natural light. And only use photos of the highest quality. If you don’t have a quality camera, ask to borrow one from a friend.

Tip: Take a look at the professional photos on estate agent websites. If your photos look inferior, don’t post them. Change your camera or enlist professional help.

Declutter

How your home looks on the screen is 95% of what you’re trying to do. Your property has to look appealing, and it has to allow potential buyers to imagine themselves living there. Get rid of all your clutter and unnecessary furniture. Create the illusion of more space by experimenting with different angles for your photos.

Neutralise

The internet is a great tool for selling houses fast, but you’ll be facing a lot of competition. Most house buyers need to imagine themselves in your home before they’ll even make contact. But this will be almost impossible if your home is filled with niche furnishings and distinctive decor. Opt for neutral shades such as whites, creams, magnolia and subtle yellows.

Pay for a premium listing

One of the reasons you decided to sell your house online might be the need for speed. But cutting costs may also be necessary. Don’t let the desire to minimise the cost of house selling stop you from getting your property listing to the very top of search results.

Paying a little extra for a premium listing with an online estate agent or directory will get your property seen by more people. And that’s always a good thing for both a fast sale and a high sale price.

If you’re keen to sell as quickly as possible, SellPropertyFastCash can help. Complete our simple contact form, and we’ll be in touch. We’ll assess your property and make a fair offer based on market conditions. All being well, you could have the proceeds of the sale in your bank account in just four or five weeks.

Issues That Affect House Prices Which Are Out of Your Control

Understand what property buyers want from homes in the UK, and selling your own home shouldn’t be too difficult. Or so you might think. According to a study by My Home Move, many house buying priorities may be out of an owner’s control.

Does this mean that getting your home in great shape is a waste of time? Of course not. But it does mean that there might be a price cap on your property that is almost impossible to raise.

More than half of the respondents in the survey revealed they had bought a home simply because they fell in love with it. This subjective approach isn’t all that surprising. After all, we develop a very emotional bond with the place we call home.

But what makes someone fall in love with a property?

It might surprise you to learn that buyer love is rarely generated by a stunning kitchen or a converted garage. Various external factors play a bigger role, at least according to My Home Move. Here are a few of the most common issues that affect house prices.

Location

Issues that affect house prices

Location is still the most crucial factor driving house prices and demand. According to the survey, 58% said location was the single most important issue. In many cases, proximity to a place of work was key. But also important to home buyers are the proximity of local schools, transport links and public services.

Financial issues

The second most important factor related to house buying decisions was fiscal responsibility. Does the asking price reflect the current market conditions? Does the property offer long-term investment opportunities and growth potential? How much will need to be spent on maximising the property’s value potential?

The neighbours

Sadly, you can’t really choose your neighbours — regardless of how much you’d like to. One of the questions most house buyers will ask during a property viewing is: What are the neighbours like? And if you can’t talk about them in glowing terms, you might be at a disadvantage.

Issues that affect house prices — nuisance neighbours

While there are certain legal opportunities at your disposal, dealing with nuisance neighbours takes time. And if lawyers are involved, it also takes a lot of money. But at the end of the day, who lives next to you is out of your control.

If you’re struggling with nuisance neighbours, the value of your home could be affected. And selling it may take a lot longer than you initially bargained for. That’s where we come in. SellPropertyFastCash is a national house buying company that cuts out much of the hassle and stress of selling property. Sell your home directly to us in a matter of weeks — and leave the problem of nuisance neighbours to someone else.

Factors you can control

Thankfully, respondents in the My Home Move survey identified a good garden as a top priority. And although you can’t do much about the space you can offer, you can ensure your gardens are attractive and functional.

And then comes all the other stuff. Everything from the number of bedrooms your home has to its general condition affects both price and demand. Issues such as mould, historical movement, unsatisfactory searches and energy efficiency all contribute to your home’s value. Crucially, they’re all very expensive to rectify. If you’re not planning on staying in your home for the long term, cutting your losses by selling up may be the best option.

If you want to sell your home as fast as possible — leaving someone else to deal with its issues — we can help. Contact us to discuss your house selling requirements, and you won’t need to worry about what buyers on the open market are looking for.

Moving into a Retirement Home — Top Tips

There comes a time for many people when round-the-clock care or medical supervision is needed. This is often a very distressing time, as it involves leaving behind a much-loved home — and the independence it provides.

Whether you’re thinking of a move to sheltered housing or helping a loved one to make the move, there are several issues to consider. As well as the lifestyle changes involved, you’ll also need to think carefully about the various financial implications.

Talk things through with friends and family before moving into a retirement home

Moving into a retirement home is always a big step. There are pros and cons involved, and you may not be able to assess them on your own. Ask your loved ones for their opinions. Is it the right time? Are there alternatives? For example, you might find that family rally round and give you the support you’re looking for.

Moving into a retirement home tips

There may also be the option of moving in with a relative. This might be the best option if you’re moving simply for the company. Selling a house for your retirement means you might be able to contribute to some of the bills.

Assess the costs of moving into a retirement home

The initially quoted cost of your new retirement home might seem affordable. You might even qualify for free or subsidised care. But never take the cost at face value. Make sure you get a full breakdown of all service charges and additional fees. The bigger the grounds, the higher these fees are likely to be.

And while there may be a range of activities to try out, find out how much they all cost. Some might be included as part of the package. Others, however, will need to be paid for separately.

Are there any exit fees?

Signing up to a private retirement community may involve a contract and a hefty deposit. But what happens if your circumstances change shortly after moving in? Your health might deteriorate, or you may be presented with different opportunities. Before you sign on the dotted line, check the terms and conditions. How easy is it to get out of the contract? Is there an exit fee involved?

Check whether or not you can sublet your retirement property, as this could be a good way of getting out without losing a small fortune.

Shop around

Moving into a retirement home - tips

There are now thousands of high-quality retirement homes across the UK. Before you choose one, make sure you’ve checked out at least four or five. Visit each one and compare the rental charges. Take the time to investigate the terms and conditions thoroughly. The ability to move on quite cheaply might be the deciding factor in your decision.

It’s also worth remembering that there are several types of retirement lease available in the UK. You can also buy a unit instead of renting it. However, you’ll need the capital upfront. But if you have it, this could be a good investment and a way of saving money. Of course, you’ll need to sell your existing home fast. But that’s not a problem when you sell to SellPropertyFastCash.

We are national homebuyers who purchase UK properties in as few as four weeks. There are no marketing, price negotiations or upward chains involved. Selling a property this fast could help you to start your new life in a retirement community as quickly as possible.

Should I Sell a House Due to Ill Health?

Ill health can have a range of adverse effects on almost every facet of your life. But one of the issues many people struggle with the most is their financial welfare. How do you continue paying the bills when you’re not able to earn?

Are you asking yourself: Should I sell a house due to ill health? If you are, you’re probably worried about what the future holds — particularly if you have a mortgage to pay.

Assess your situation in full. Think about the short, medium and long term. And to help you make the best decision for you and your loved ones, here are a few issues to consider.

How will I pay my mortgage when I’m ill?

Making mortgage repayments every month is a significant commitment. Miss just one or two instalments, and you could find yourself on the wrong end of eviction proceedings.

Do you have illness cover with your mortgage? How long will the policy continue to make mortgage repayments? Do you expect to be better by the time the cover runs out? These are questions you must answer truthfully. If you’re in any doubt about your ability to make your monthly mortgage repayments in the future, you should seriously consider selling your house now.

But selling your house isn’t your only option. If you need several months off — and you don’t want to move — consider an equity release scheme. This allows you to stay in your home while you unlock a hefty chunk of equity for your immediate needs.

Will I have medical expenses to worry about?

One of the great privileges afforded to people in the UK is access to the NHS. But while you don’t have to worry about treatment fees, there are other costs to consider. For example, you might need additional care at home. You may want to adapt your home to cater to your needs while you convalesce.

Should I sell a house due to ill health?

By selling your existing home now, you can get your hands on the money needed to aid your recovery. If you don’t have time to wait for the open property market to produce a buyer, SellPropertyFastCash can help. We buy houses fast. There are no lengthy negotiations or protracted conveyancing processes involved. If the circumstances are right, you’ll receive the money for your fast house sale within a month or two.

If you require long term care, you might be required to pay for it. There is help available from the UK Government, but it’s means tested. You can find out where you stand by checking out the Age UK website.

Is moving house due to ill health really the best option?

Having a lot of equity in your home when you’re struggling with illness can be a huge comfort. A quick house sale or an equity release scheme is a great way to unlock the money you need to get you through such a tough time. But is that always the best option?

Moving house might be a huge strain on your mental and physical health. If so, unlocking equity might be the best option. However, if you’re up to the move, you can make a clean break and a fresh start in your new home. Downsizing your property due to ill health is relatively simple when you sell to a “we buy any house” company.

Should I sell a house due to ill health?

Don’t underestimate the stress involved with selling a house on the open market. It’s tough enough at the best of times. But when you’re ill, it can set back your recovery considerably. A fast house buying company can take a lot of the burden off your shoulders.

Speak to your clinicians

Before you do anything, take the time to speak to your doctors and medical professionals. Ask them what they suggest. It might be that moving house is the last thing you need. An occupational therapist, for example, might suggest that your current home is perfect. Or if you’re determined to sell your property, he or she might help you to choose your next home.

Moving house due to ill health is a huge move. Take your time making the decision, and seeks advice from clinicians, family and friends. And if you need to sell your property to generate much-needed funds, contact us today.

For more information on how https://www.sellpropertyfastcash.co.uk can help you sell your house fast please visits our contact us page.

Sell Property Fast Cash,
Mclintocks,
Summer Lane,
Barnsley,
South Yorkshire,
S70 2NZ
Telephone:0800 68 99 42

We Buy Your House

Do Broadband Speeds Affect House Prices?

Broadband speeds are still woefully low in many areas of the UK. People in rural areas are still struggling to get speeds that can handle streaming the likes of Netflix and Amazon Prime. And if you’re a homeowner affected by this issue, it might be doing damage to your property’s market value.

A 21st-century problem for homeowners

The traditional factors that affect house prices still apply today. Whether you have a large garden, the proximity of transport links and the performance of schools in the area all play a part in setting house prices.

But a relatively new factor at play is the average broadband speed in the neighbourhood. More and more of what we do requires a speedy connection to the Internet. If an area simply doesn’t have the infrastructure to support the necessary speeds, interest in homes there suffers. Put simply, fast broadband is non-negotiable for more and more house buyers.

According to Hyperoptic, the demand for superfast broadband continues to grow. A recent survey revealed that 60 per cent of the 3000 people questioned said that speedy Internet access was more important than having an extra bedroom.

Explore all the possibilities in your area

Do broadband speeds affect house prices?

If you’re in the process of selling your home, do everything you can to find a fast broadband service. While you might have to pay a little more than you’d like, the outlay could add thousands to the value of your home.

The Hyperoptic poll revealed that the respondents who prioritized fast broadband in potential homes were very likely to disregard a property that offers less than 9mbps. If your current broadband provider provides less than this, you stand to lose a lot of value in the open market.

But there’s good news — if you can find superfast broadband, that is. According to Hyperoptic, having a broadband speed over 100mbps could add up to £23,000 to the value of your home.

What’s the minimum broadband speed I need?

If you want to secure the average house price for your area, you’ll probably need to offer a minimum speed of 18mbps. If you live in a large town or a city, this shouldn’t be an issue. However, you might find that only one or two providers can deliver what you need — curtailing your options significantly.

Do broadband speeds affect house prices?

But if you live in the country, there’s a good chance you’re still connected to the Internet via old copper lines and antiquated telephone exchanges. If that’s the case, you’ll be lucky to find broadband speeds of 5mbps.

What can I do if there are no options?

Unfortunately, there’s not very much you can do if there isn’t any fast broadband infrastructure in your area. Reach out to all the major providers, and ask when (or if) they plan to increase speeds in the near future. Get your neighbours to do the same. If there’s a demand, a company will agree to install fibre-optic broadband in the area eventually.

Until then, you might have to settle for a slightly lower-than-average sale price. And if you can’t find a buyer because of your woeful Internet speeds, Flying Homes can buy your home for up to 100 per cent of its current market value.

For more information on how https://www.sellpropertyfastcash.co.uk can help you sell your house fast please visits our contact us page.

Sell Property Fast Cash,
Mclintocks,
Summer Lane,
Barnsley,
South Yorkshire,
S70 2NZ
Telephone:0800 68 99 42

Quick House Sale

We look at the pros & cons of cash buyers

Cash buyers can speed up the house buying process significantly. You don’t have to wait for a mortgage to be approved. And there’s one less party involved, which simplifies the transaction considerably.

Depending on your specific circumstances, buying a property with cash could be a very good idea. But it’s not without its drawbacks.

If you’re considering such a purchase, it’s important to weigh up the pros and cons before proceeding.

What’s the definition of a cash buyer?

There is a common misconception about the term “cash buyer.” It is not a term used to describe someone who can buy their next home without a mortgage after selling their current property. The term describes a buyer who has the cash needed for the purchase readily available. In other words, the cash is already in the bank when the offer is made.

The pros of buying houses with cash

A successful sale is more likely with a cash buyer

A cash purchase doesn’t involve a lender. This cuts out a lot of the administration and uncertainty from the process. If you can cut out the middle man, you can almost guarantee that your house purchase will complete on time and without any hitches.

According to the HomeOwners Alliance, around a third of house sales collapse because of the buyer’s inability to secure finance. Take this issue away, and there’s not a lot left that can go wrong.

Whether you’re the cash buyer or you’re selling your property to one, a great deal of stress and worry is removed from the process.

The property chain is less complicated

If you’re fortunate enough to be selling your home to a cash buyer, you don’t have to worry about the sale of the buyer’s own home falling through. This is one of the main reasons why so many transactions fail. If the buyer can’t raise purchasing funds through the sale of their current home, the whole chain can collapse.

If you’re in a hurry to sell, finding a cash buyer could speed up the house selling process considerably. We buy homes for cash. We offer prices based on current market conditions. And in many cases, we can complete the entire transaction — and get the money in your account — within 28 days.

You can sell your house faster

Cash buyers speed up the sale process

When a home buyer doesn’t have to apply for a mortgage, the time it takes for a sale to go through can be cut by a month. The approval process put in place by many lenders is more stringent than ever. And this delay could hold up your plans for the future.

Cash buyers don’t have to worry about providing proof of income and passing credit checks. Once the various legal checks are complete, the sale can go through. And without the added requirements of a lender involved, those checks are fewer in number and quicker to complete.

Added security

Property is a great long-term investment. If you have cash available, sinking it into your home also gives you and your family security and certainty for the future. Not having mortgage payments to worry about when you lose your job or hit financial difficulties gives you peace of mind during some of life’s most stressful periods.

The cons of using a cash buyer

Cash buyers simplify the house purchasing process

Lost liquidity

Money you sink into the purchase of a home is money you can’t spend on other things. If this loss of liquidity stretches your finances, securing finance is probably a better option. But if you’re certain you’ll have enough cash left to live your life the way you want to, buying houses for cash is a good move.

Cash buyers expect a reduction in price

If you’re in a hurry to sell a house, you may have to accept a slightly lower offer than would otherwise be the case. This is because cash buyers know they are providing a significant benefit to sellers. Cash buyers complete the process much faster than those with a mortgage. And they expect something in return — a reduced sale price.

Asking for cash buyers can put people off

If you’re asking for cash buyers only on the open property market, you might be putting people off. Buyers might think you want the property off your hands because there’s something wrong with it. After all, the absence of a bank usually involves fewer legal and structural checks.

If you need a cash buyer in a hurry, we can help. We buy UK homes for cash, and we take care of everything on your behalf. If you accept our competitive offer, you could have the money in your account within 28 days.

Want to ask a question?

Call 0800 68 99 420

Text SALE to 60777

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