If you are trying to check property ownership, boundaries, mortgage details, lease information or old property documents, you may come across terms such as Title Register, Title Plan and Title Deeds.
They are closely related, but they are not all the same thing.
For most registered properties in England and Wales, the two main Land Registry documents people usually need are the Title Register and the Title Plan. These documents help confirm who owns the property, what land is included in the title, and whether there are any registered mortgages, restrictions, rights or legal interests affecting the property.
This guide explains the difference between a Title Register, Title Plan and Title Deeds, and helps you understand which document you may need to order.
Yes, in many cases you can check whether a property has a registered mortgage.
For registered properties, mortgage information is usually recorded on the Title Register as a legal charge against the property.
This is the main official document used to confirm whether a mortgage is noted.
If a mortgage is recorded, it will usually appear in the Charges Register section of the Title Register.
This section may include:
• The name of the lender
• The date the charge was registered
• Other legal or financial burdens affecting the property
Not every entry will give full financial detail, but it will usually confirm that a charge exists.
To check whether a property has a mortgage:
1. Identify the correct property
2. Locate the title record
3. Obtain the Title Register
4. Review the Charges Register section
This is the most reliable way to see whether a registered charge appears on the title.
While the Title Register can show that a mortgage or charge exists, it will not usually show:
• The remaining mortgage balance
• Repayment terms
• Monthly payment amounts
• Full loan details
It confirms the existence of a registered charge, not the full mortgage account information.
The easiest way to check if a property has a mortgage is by obtaining an official copy of the Title Register.
This allows you to:
• Confirm whether a charge is registered
• Access official property records
• Avoid relying on guesswork or incomplete sources
If no mortgage is shown, it may mean:
• The property has no registered charge
• The mortgage has been removed from the title
• The property is unregistered
• The wrong title has been selected
Further checks may be needed in some cases.
Checking whether a property has a mortgage can be useful when:
• Researching a property
• Reviewing ownership details
• Checking legal charges before a transaction
• Understanding what appears on the title
The most reliable way to check if a property has a mortgage is by viewing the official Title Register.
You can order a copy online and receive it quickly by email.