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ARTICLE · 19 APRIL 2010

Dematerialisation is Overrated

Matthew Arnold & Baldwin
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When the Land Registry uses the word "dematerialisation", it means that it has decided to discontinue the practice of issuing Charge Certificates after registering a lender’s legal charge and Land Certificates when a title was not subject to a legal charge.

United KingdomFinance and Banking
Harry Peradigou
Harry Peradigou

When the Land Registry uses the word "dematerialisation", it means that it has decided to discontinue the practice of issuing Charge Certificates after registering a lender's legal charge and Land Certificates when a title was not subject to a legal charge.

When a lender uses this word, it means that they do not want to hold any "unnecessary" documentation following their charge being registered at the Land Registry. The solicitor acting for the purchaser/borrower/lender therefore usually sends any such documents to the borrower/purchaser.

Such documents can include, but are not limited to, leases, NHBC or equivalent guarantees, planning permissions and building regulation certificates.

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