Property title fraud – How to protect yourself
You can take steps to protect your property from being fraudulently sold or mortgaged.
You’re more at risk if:
- your identity’s been stolen
- you rent out your property
- you live overseas
- the property’s empty
- the property isn’t mortgaged
- the property isn’t registered with HM Land Registry
Your property will be registered if you bought it or mortgaged it since 1998 – check the register if you’re unsure.
You must tell HM Land Registry if information in the register is incorrect, for example if you change your contact address.
You can track changes to the register or put a restriction on your title if you think you’re at risk.
You can sign up to get property alerts if someone applies to change the register of your property, for example if someone tries to use your property for a mortgage.
This won’t automatically block any changes to the register but will alert you when something changes so that you can take action.
You can get alerts for up to 10 properties – there’s no fee.
Put a restriction on your title
You can stop HM Land Registry registering a sale or mortgage on your property unless a conveyancer or solicitor certifies the application was made by you.
Fill in a request for a restriction if you’re a company owning property.
Send your application to the address on the form – there’s no fee.
If you don’t live at the property
Fill in a request for a restriction for owners not living at the property if you own the property privately – there’s no fee.
If you live at the property
Fill in an application for a restriction. It costs £40.
Send completed forms to the HM Land Registry Citizen Centre.
HM Land Registry
PO Box 74
HM Land Registry will tell you when they add the restriction.
If you’re a victim of property fraud
Contact HM Land Registry property fraud line if you think you’re the victim of property fraud.