Frequently Asked Questions
Getting Started
Clive is an AI assistant designed to help people handle straightforward HM Land Registry applications themselves, without using a solicitor.
Clive isn’t a general chatbot — it has been trained by experienced lawyers on conveyancing specifics like Land Registry rules, forms, practice guides and real-world conveyancing knowledge and workflows, so it can explain things in plain English and guide you through each step of the process.
Clive helps by:
Explaining which forms you need for your situation (TR1, AP1, ID1/ID5, DS1, RX1 and others)
Showing you what each section of a form means and what information belongs there
Helping you avoid common mistakes that lead to delays or requisitions
Giving you a clear, step-by-step understanding of what to do and when
Making the whole process clearer, cheaper and far less stressful
You stay in control of your application throughout. Clive gives you practical, reliable guidance so you can complete the work yourself with ease, saving thousands on solicitor's fees.
Yes — you can. More and more people are completing simple Land Registry applications themselves these days, and saving large sums in solicitor’s fees.
It's important to note, though, that while you can carry out your own conveyancing, the rules prevent unqualified people from doing conveyancing for someone else. That can only be done by solicitors and other authorised professionals.
DIY Conveyancing works best in simple low risk transactions such as:
Transfer of equity
Gifting property
Transfers between family members
Taking someone off the deeds
Changing your name on marriage or divorce or by deed poll.
These types of transactions are usually straightforward and can be handled yourself, so if you want to do a transfer of equity without a solicitor, or remove someone from the deeds, Clive can guide you through.
If a mortgage loan is taken, the mortgage lender normally insists that conveyancing work is carried out by a qualified solicitor, meaning DIY conveyancing won't be an option.
We advise against DIY conveyancing in chain transactions between unrelated buyers and sellers. These transactions often get fraught and become complex and unqualified people cannot deal with funds in the normal way conveyancers do, which can cause serious issues in a chain.
You should also use a solicitor for more technical matters such as:
Transfers of Part
Lease extensions
Granting easements
Creating or imposing covenants
These involve legal drafting and professional oversight.
Yes — Clive can help with leasehold transfers, but leasehold work is more complex than freehold, and extra care is needed. You’ll usually need to:
Check the lease for notice requirements
Notify the landlord or management company
Pay any required notice fees
Clive can guide you through the transfer process, but it can't yet help with drafting new leases or major lease variations.
HM Land Registry Forms
The forms you need to use depend on what you're trying to register. HM Land Registry uses different forms for different types of changes, but most DIY applications fall into a small number of common categories.
Here are the main ones:
Transfers of ownership / adding or removing someone's name from the deeds
TR1 - the transfer deed.
AP1 – the application form.
ID1 / ID5 – identity verification for anyone who isn’t represented by a solicitor
These cover most cases such as adding a partner, removing an ex, gifting a share of the property, or transferring it between family members.
Transfers or Assents by Deceased Estates
AS1 or TR1
Use AS1 when a property vests directly to a beneficiary under a will or intestacy.
Use TR1 instead where money is changing hands between beneficiaries, or where the executor is selling the property.AP1 - the main application form.
Grant of Probate or Letters of Administration.
ID1 / ID5 – identity verification for anyone who isn’t represented by a solicitor.
Removing a mortgage
Most banks and building societies discharge mortgages electronically, so the homeowner does not usually submit a form.
In the case of private mortgages or charges, to remove the mortgage you need:
DS1 – the paper discharge form, which needs to be executed as a deed by the lender.
AP1 – to update the register and remove the charge
Registering a new mortgage or charge
If you're securing a private loan against a property:
CH1 - the standard form of legal charge used by HM Land Registry - signed as a deed by all parties.
AP1 – application form.
Changing your name
For a simple name update (marriage, divorce, deed poll), you’ll need:
AP1
Evidence of the name change, such as your marriage certificate, decree absolute, or deed poll
Restrictions (Form A, Form B, etc.)
If you’re entering or removing a restriction from the title:
RX1 – to add a restriction
RX3 - to apply to cancel a restriction someone else has put on your property
RX4 – to withdraw a restriction you have put on someone else's property.
Correcting or updating details
For most corrections, you only need:
AP1
Any supporting evidence Land Registry asks for.
If you're not sure
The rules on which forms to use are complex and there are lots of other forms available, aside from those mentioned above. Clive will be able to guide you through which forms you need, and how to complete them correctly.
You may have a historic copy of your title register at home, which will contain the title number and the other information you need. However, it is always best to order an up-to-date copy so that you are not working with an out-of-date title document.
To obtain a new copy of the title register we suggest using HM Land Registry's Citizen Service Account, using this link:
https://www.gov.uk/search-property-information-land-registry
This is the official source for obtaining Land Registry title documents for members of the public. The service is part of the gov.uk website, and so is trustworthy.
We advise against searching Google to obtain the title register. Many unscrupulous companies exist with official sounding names and URLs, selling title documents at an inflated price. These often appear in the advert section of search results pages. Please be aware of this and use the link above for a copy of your title from the gov.uk website.
The cost of obtaining a copy of the title register is £7, payable via the gov.uk website, and you should not pay more than that.
Most DIY conveyancing applications involve adding someone's name to, or removing it from, the deeds to a property.
What TR1 is used for
A TR1 is the transfer deed. It’s used when the whole property is being transferred — for example:
Adding a partner to the deeds
Removing an ex-partner
Gifting the property (or part of it)
Transferring ownership between family members
Buying out another owner’s share
(If only part of the title is being transferred, you use TP1 instead.)
The TR1 is the most important document in the process - it is the document that actually legally transfers the ownership of the property.
It takes effect as soon as it is signed and dated, and at that point the prior owner(s) become trustees, holding the property for the new named owners pending registration of the TR1 at HM Land Registry.
In most cases, the form is straightforward. It is mainly about confirming who currently owns the property, who it’s being transferred to, and on what terms.
Below is a simple breakdown of the sections you’ll need to complete and what they mean.
Key sections in TR1 and what they mean
Panel 1 — Title number
The Land Registry title number of the property goes in this box. Follow our guide here to obtain the title register. The title number will appear at the top of the 1st page and is in the format AB123456.
Panel 2 — Property
The address and a description of the property. Copy it exactly from the title register, specifically where it appears at entry A1 of the Land Registry title.
Panel 3 — Date
Leave this blank until the transfer is signed and completed. Dating the transfer has the effect of legally completing it, which can't happen until everyone has signed and is ready for it to be dated.
Panel 4 — Transferor
The current owner(s). These names must match the title register exactly. We suggest copying the names from section B1 of the Land Registry title, and pasting them (with no address) into box 4 of the TR1.
Panel 5 — Transferee
The person(s) the property is being transferred to. Make sure names are full and consistent (including middle names if used on ID documents).
Panel 6 — Transferee's Address for Service
You need to list an address that people will write to the new owners at with any legal notices that need to be served on the owners. It's really important that this section lists an address that the new owners are contactable at.
You can list a total of 3 addresses, including email, but one must be a UK postal address.
Panel 7 - Operative Transfer Wording
This is just standard wording stating that the property is being transferred. Don't change this section.
Panel 8 Consideration
This asks whether money is being paid. This is an important section which deserves careful attention.
If the property is being sold for a fixed sum, choose the first option and enter the details of the agreed payment where shown in words and figures.
Please note that if you are taking on a mortgage, you will need to add their share of the outstanding mortgage debt, as part of the disclosed consideration payable (along with any other agreed payment). This is because taking on the mortgage loan is, in effect, the same as paying cash for the property, in tax terms.
If the property is gifted, and if no mortgage debt is being taken on by the incoming owner, you should choose:
“This transfer is for no money or for monetary consideration”
In more complex cases such as divorces, or where a share of someone's ownership is purchased, the third box is ticked, along with bespoke wording. Clive can help with that, so that it fits your circumstances.
Panel 9 — title guarantee
Most of the time, use the "Full" title guarantee option. A limited title guarantee is only used where a property is sold by an executor or personal representative on behalf of a deceased estate.
Panel 10 - Declaration of Trust
Sole owners will leave this section blank.
If the property is being held by two or more owners, this needs to be completed to state how they own the property as between themselves as joint owners. The options are:
Joint Tenants - this means that you own the property jointly on the basis that, if one of you dies, the surviving owner automatically becomes the sole owner of the property, regardless of what’s in the will. This is known as the “right of survivorship”. This structure is often used by couples. In some circumstances it can be beneficial for inheritance tax because the property ends up with the intended beneficiary automatically and not by passing through what may be a taxed estate.
Tenants in Common – This means you each own a distinct share, either 50/50 or in some other proportion (for example 60/40). You’re free to set whatever proportion you like, and this is then stated in the Transfer Deed. If one of you dies, that person’s share passes to their beneficiaries under their will (or the intestacy rules), and the surviving owner doesn’t inherit the deceased person’s share of the property unless the will or intestacy rules expressly provide that this is the case.
Clive can help you decide.
Panel 11 — Additional provisions
There are various situations where additional clauses need to be set out, such as where someone is added to or removed from an existing mortgage loan, but usually with DIY Conveyancing transactions this box can be left blank.
Clive can help you word any provisions that might be needed here depending on your circumstances.
Panel 12 -- Execution (signing)
The TR1 must be signed:
By the transferring owner(s)
As a deed (i.e. with a witness present)
The witness must not be a family member of any party to the TR1.
The people signing should do so as follows:
Signed as a deed )
by the said )
ANDREW DAVIS ) ...............
in the presence of ) Andrew Davis
Witness Signature..................
Witness name ......................
Witness address....................
Witness Occupation.................
What else you must submit with TR1
A TR1 is not submitted on its own. You also need to send:
AP1 (the main application form)
ID1 / ID5 for unrepresented parties
SDLT5 (But only if Stamp Duty Land Tax applies)
If you're not sure Clive can walk you through each panel of TR1, explain what goes in each part, and help you avoid the mistakes that Land Registry commonly send back.
For common reasons applications are rejected, see here.
Form AP1 is the main application form you send to HM Land Registry when you want to update the register. It goes with whatever other forms you’re submitting (such as TR1, AS1, ID1/ID5, etc.).
Think of the AP1 as the cover sheet that tells Land Registry what you’re asking them to do, who’s involved, and which documents you’ve enclosed.
What AP1 is used for
AP1 is required for almost every change to the register, including:
Transfers of ownership
Adding or removing someone from the deeds
Registering or removing a mortgage
Changing your name
Transferring property for a deceased estate
Updating or correcting details
You nearly always send AP1 with at least one other form.
Key sections in AP1 and how to complete them
Panel 1 — Local Authority area
Enter the postcode and the local authority where the property is located (e.g., “Bristol City Council”).
You can find this on the title register in entry A1.
Panel 2 — Title number(s)
Enter the title number(s) shown on the title register.
For most properties, there will be just one.
Panel 3 — Application against whole or part
The Land Registry is asking whether you are applying to register something affecting the entirety of your property, or whether the application affects only a part of it.
In the vast majority of cases, people applying to register their own transaction at HM Land Registry will be applying to register something affecting the whole and not only part of it, so the first box will be ticked.
The second box is only generally used for Transfers of Part - i.e. when you sell off part of your land such as part of the garden.
Panel 4 - Application, priority and fees
State in the left-hand top box the type of transaction you’re applying for.
Common ones include:
“Transfer”
“Register a charge”
“Discharge a charge”
“Change the register”
“Change of name”
If more than one action is being done (e.g., removing someone and removing a mortgage), both should be listed.
If money is changing hands the amount (including any mortgage debt taken on by the incoming owner) should be listed, and the Land Registry fee calculated on this basis.
In the case of gifts, a fair assessment of the value of the gifted property should be made, details entered into the middle box and the fee calculated on this basis.
Land Registry only accepts cheques made payable to'Land Registry'. Your bank will be able to issue you with a cheque book if necessary.
Panel 5 — Documents lodged
List the documents you are sending — for example:
TR1
ID1/ID5
Grant of Probate (if relevant)
Be specific. Don’t just write “supporting documents”.
Panel 6 — The Applicant
Add the details of the transferee (i.e. the new owners) in the case of a Transfer, and in other cases, the name of the person applying to change the register. In the case of a private mortgage, for example, this would usually be the lender as the person applying to register the charge.
Panel 7 - This application is sent to Land Registry by
Often, solicitors send applications in on behalf of clients, so there is a section for the person sending in the form to complete their details. In the case of DIY Conveyancing this will usually be the same person as is listed in panel 6.
Please note members of the public do not need to provide a key number.
Panel 9 -- Third Party Notification
Enter details of anyone else that is to receive notifications about the Land Registry application.
Panel 10 -- Details of the Lender under any new Charge
If you are registering a mortgage, the lender's details go in here. Otherwise, this can be left blank.
Panel 11 -- Disclosable overriding interests
Some things, like for example an ongoing Assured Shorthold Tenancy (AST) continue to bind a new freehold owner even if they are not shown on the title. These are known as 'overriding interests' and if any are present, you should tick the box in Panel 11.
Most of the overriding interests are very obscure and will have no bearing on someone doing their own property transfer. The main overriding interest to be aware of are:
- Leases (including ASTs) for less than 7 years
- Unregistered rights of way
If either of these affect the land being transferred tick the box in panel 11.
Panel 12 -- Confirmation of identity
Tick the box stating "I am not a conveyancer, and I have completed panel 14
Please then ignore box 13 (used by solicitor only) and complete Panel 14.
Panel 14 -- Evidence of identity
If anyone that is party to the deed being registered has a solicitor, then the details of the party, and the solicitor who acted for them (and who will have checked their ID) should be listed.
You will then need to obtain ID1 / ID5 checks for anyone not using a solicitor, so that you can tick the box at the end of Panel 14 stating
"for each unrepresented transferor, landlord, transferee, tenant, borrower or lender listed in (1) is enclosed.
Panel 15 — Signature
This panel confirms you are submitting the application.
If you’re acting for yourself, you simply sign and date it (no witness needed).
What to send with AP1
Most applications require:
Main deed - i.e. TR1, AS1, DS1 etc. (depending on the transaction)
ID1 / ID5 for unrepresented parties
SDLT5 certificate (but only if the total amount paid by the buyers exceeds £40,000)
Any supporting documents such as Probate, name-change evidence, or lender instructions.
For common reasons applications are rejected, see here.
Clive can help you complete your AP1 and avoid common mistakes →
The following mistakes are often picked up by HM Land Registry and can lead to delays and requisition letters:
Names not matching ID documents or the title
Missing consideration details
No declaration of trust when unequal shares were intended
Unclear witness details
Completing “additional provisions” incorrectly
Sending TR1 with no AP1
Sending the application to the wrong address.
Not listing all documents enclosed in the AP1
Incorrect or missing fee
Names not matching the ID or other forms
Missing details in Panel 3 of the AP1 (application type)
These can delay applications for weeks — sometimes months. Clive is designed to help you avoid these mistakes and ensure everything goes smoothly.
Chat with Clive to get a clear checklist of what to fix and send next →
You can respond to requisition letters by post or by email to the regional office address stated on the requisition letter itself.
Chat with Clive to get a clear checklist of what to fix and send next →
If you have a commercial mortgage, the lender will almost always discharge the loan using the electronic END system, directly with HM Land Registry, so the homeowner doesn't usually need to do anything in terms of paperwork.
If you have granted a mortgage to a private lender, or if the lender is not using the END system to electronically discharge, then yes, you will need to use form DS1 signed as a Deed (i.e. signed and witnessed) by the Lender.
Check if they have discharged the charge electronically using the END system. If the charge remains on the register, you need to contact the lender and request either a DS1 or that they discharge via the END system if they can access it.
A TR1 (Transfer of whole) transfers all of the land in a title number as shown edged in red on the plan.
A TP1 (Transfer of Part) transfers part of the land in a title to a new owner so that the part of land sold is hived out of the seller's title. The seller's title plan is redrawn, and a new plan created for the transferee's part of the land.
Form TP1 (transfer of part) is only used where the boundaries of an existing property are being changed, — for example, where part of a garden or land is being sold off to someone else.
A common mistake we see is that people try to use a TP1 to transfer jointly owned property, without intending to physically divide the property, as they relate the “part” aspect in the document name “Transfer of Part” to part ownership. This isn't right - the TP1 is only for physical division of land when the boundaries are changing, and form TR1 should be used in transfer of equity situations, where one owner is selling or gifting their share to another owner, and themselves, coming off the title.
TP1's are only used to split an existing registered title into two plots, which is something that is not generally suitable for DIY conveyancers in our view.
No, any provisions relating to a trust comprising the property can be put in the transfer deed itself in panel 10 Declaration of Trust. However, there is nothing to stop you from using a separate declaration of trust. but if a trust of land does exist, you should apply to register a Form A restriction on the title to give notice of it to third parties.
ID1 / ID5 Identity Verification
An ID1 form was originally designed to be done in-person in a solicitor's office at an in-person appointment, which was the way ID was checked prior to the pandemic.
If you are using a ID1 at an in-person appointment you need to obtain passport-sized photos, but in practice very few firms offer in-person ID1 checks these days, as most ID verification for HM Land Registry is done using the online ID5 process, via a video call, which is generally much cheaper, quicker and more convenient than an in-person appointment.
When done online by video call you still get an ID1 form, but part B of it is left blank and is superseded by the ID5 form. No passport-sized photos are needed.
We recommend www.id5.co.uk for Land Registry ID checks. They offer Land Registry compliant ID checks by video call for £69, with rapid turnaround and excellent reviews. The forms are usually released the same day, and a Tracked 24 service is available for rapid delivery.
People are often surprised to learn that, under the current law, all parties need to complete ID checks even if they are remaining on the title so their ownership is not changing.
Yes — online ID checks are now widely available and equally valid. Many companies offer Land Registry-compliant ID verification via video call. You'll receive both an ID1 and ID5 form, with part B of the ID1 left blank (as it's completed online rather than in person).
Clive recommends www.id5.co.uk as the UK's leading provider for online ID checks. They offer flexible appointment slots throughout the day, evenings and weekends, so you can complete your ID check via Zoom at a time that suits you — all from the comfort of your own home. Checks cost just £69 (daytime) or £79 (out of hours), with same-day turnaround and Tracked 24 postal delivery.
You need to have some photographic ID, either a current passport or driving license, and 2 forms of proof of address. Foreign passports are accepted.
All parties to a transfer deed need to have an ID check - so an ID1/ID5 is needed.
In the case of a mortgage, on registering a mortgage only the borrower needs to have the ID check and on discharging one, only the lender needs to have an ID check done.
ID checks for HM Land Registry only remain valid for 3 months from the date of signature, so it's best to wait until everything else is sorted before booking your ID check.
Transfers of Equity / Adding or Removing Someone
Step 1 - Lender's Consent
If you have a mortgage before doing anything else, you need to speak to your mortgage lender to ask them for consent to the transfer. This may involve affordability assessments being done.
Step 2 - Obtain TR1
Download the TR1 form from the gov.uk website. We suggest using the Word version (with file ending '.doc') if you can open that as the form is easier to work with than the PDF version.
https://www.gov.uk/government/publications/registered-titles-whole-transfer-tr1
Step 3 - Identify the Land Registry title number and order the Title Register
Use our guide here to obtain your Land Registry title number and an up-to-date copy of your title register.
Step 4 - Fill in the TR1 form using the panel-by-panel guide here.
The Transferors for this application will be all the owners listed in the title register.
The Transferees will be all the owners listed in the title register except for the departing owner.
Step 5 - Fill in the AP1
Obtain the Ap1 form from the link below:
https://www.gov.uk/government/publications/change-the-register-ap1
And complete it using the guide set out here.
Step 6 - SDLT if applicable
If a payment of more than £40,000 is being made to the outgoing owner for their share, you will need to submit an SDLT1 return.
Step 7 - Cheque for fee
You need to obtain a cheque for the HM Land Registry fee made payable to 'Land Registry'.
Step 8 - Send the AP1 and other documents to HM Land registry
You need to send the application by post to:
HM Land Registry
Citizen Centre
PO Box 7806
Bilston
WV1 9QR
Keep copies of all documents submitted.
Step 9 - Deal with any requisitions
HM Land Registry may write to you asking for clarification or for further information so keep copies of everything sent in and be ready to respond to any questions. Clive can help!
Step 1 - Lender's Consent
If you have a mortgage then the first step is to ask your lender for permission. They will probably want some financial information from the person who will be coming onto the title. and an affordability assessment will be done.
Step 2 - Obtain TR1
Download the TR1 form from the gov.uk website. We suggest using the Word version if you can open that as the form is easier to work with than the PDF version.
https://www.gov.uk/government/publications/registered-titles-whole-transfer-tr1
Step 3 - Identify the Land Registry title number and order the Title Register
The Land Registry title number of the property goes in this box. Follow our guide here to obtain the title register. The title number will appear at the top of the 1st page and is in the format GB123456.
Step 4 - Fill in the TR1 form using the panel-by-panel guide here.
The Transferors for this application will be all the owners listed in the title register.
The Transferees will be all the owners listed in the title register and also the incoming owner.
Step 5 - Fill in the AP1
Obtain the AP1 form from the link below:
https://www.gov.uk/government/publications/change-the-register-ap1
And complete it using the guide set out here.
Step 6 - SDLT if applicable
If a payment of more than £40,000 is being made to the outgoing owner for their share, you will need to submit an SDLT1 return.
Step 7 - Cheque for Land Registry fee
You need to obtain a cheque for the HM Land Registry fee made payable to 'Land Registry'.
Step 8 - Send the AP1 and other documents in
You need to send the application by post to:
HM Land Registry
Citizen Centre
PO Box 7806
Bilston
WV1 9QR
Keep copies of all documents submitted.
Step 9 - Deal with any requisitions
HM Land Registry may write to you asking for clarification or for further information so keep copies of everything sent in and be ready to respond to any questions. Clive can help!
Yes, this is fundamental. If there is any outstanding mortgage, then obtaining lender's consent is a prerequisite to making any changes to the ownership structure. Usually, your lender will work with you, but they do need to be involved in the process to assess affordability.
Yes, you do if the amount paid for the property by the incoming owner exceeds £40,000. Please note that if the incoming owner is taking over a mortgage liability, this counts as if an equivalent cash sum were paid for the amount of mortgage debt inherited. If there will be 2 owners, the incoming owner will generally be seen to be taking on half the outstanding debt. This often means that, if a mortgage is being taken over by the incoming owner, an SDLT1 return needs to be submitted, even if no money is physically changing hands.
Preparing the papers with Clive's help will only take a few hours. You need to arrange ID checks, which can be done rapidly by video call, and the application is then submitted. HM Land Registry do have a backlog, and it can take 6 months or more for them to process applications so please don't worry if there is a delay.
You should however receive a receipt, reference number and estimated processing time shortly after you apply.
Remortgaging & Mortgages
No, commercial mortgage lenders mandate that all conveyancing work in respect of remortgages are dealt with by qualified solicitors.
You can however register a mortgage to secure a private loan against your property. To do this you would use form CH1 supported by form AP1 and for any borrower an ID1 / ID5 would also be needed.
Historically, the terms referred to slightly different security mechanisms, but in the modern context the differences have fallen away, and the two terms can in effect be used interchangeably.
Yes, if someone owes you money and is happy to grant you a mortgage / charge then this would mean your debt would be secured by any remaining equity in their property, aside from any claimed by prior ranking mortgage lenders.
To create a private mortgage, you need to use form CH1. Clive is able to assist with preparing it.
To register a new private mortgage, follow these steps:
Step 1 - Lender's Consent
If you have a prior mortgage, then the first step is to ask your existing lender(s) for permission to grant a second charge. They will probably want some financial information regarding the borrowing, and an affordability assessment may be done.
Step 2 - Obtain CH1
Download the CH1 form from the gov.uk website. We suggest using the Word version if you can open that as the form is easier to work with than the PDF version.
https://www.gov.uk/government/publications/legal-charges-registration-ch1
Step 3 - Identify the Land Registry title number for the property to be charged / mortgaged and order the Title Register
The Land Registry title number of the property goes in this box. Follow our guide here to obtain the title register. The title number will appear at the top of the 1st page and is in the format GB123456.
Step 4 - Fill in the CH1 form.
Go through the CH1 form and complete the details in each panel. A detailed guide on this is coming soon and, in the meantime, Clive can help.
Step 5 - Fill in the AP1
Obtain the AP1 form from the link below:
https://www.gov.uk/government/publications/change-the-register-ap1
And complete it using the guide set out here.
Step 6 - For Company Borrowers - Companies House Registration
If the borrower is a company, the charge needs to be registered at HM Companies House within 14 days of being created. This causes significant problems in practice and we would advise anyone lending to a company borrower to seek legal advice.
Step 7 - Cheque for Land Registry fee
You need to obtain a cheque for the HM Land Registry fee made payable to 'Land Registry'.
Step 8 - Send the AP1 and other documents in
You need to send the application by post to:
HM Land Registry
Citizen Centre
PO Box 7806
Bilston
WV1 9QR
Keep copies of all documents submitted.
Step 9 - Deal with any requisitions
HM Land Registry may write to you asking for clarification or for further information so keep copies of everything sent in and be ready to respond to any questions. Clive can help!
If you apply to remove a mortgage from your title, you will be notified when the application is completed.
If your lender applies to discharge the mortgage using the END system HM Land Registry should write to you to confirm but if you don't hear, we suggest you order a new copy of the Land Registry title, and check in section C at the bottom. If the mortgage is still listed there, it hasn't been discharged but if there is no reference to the mortgage at the end of section C of the title then this means the charge has been discharged.
Practical Steps & Expectations
You need to get an ID1 / ID5 ID check and for that you are going to need photo ID (either a current passport or a full EU / UK driving license). You also need two forms of proof of address.
We suggest you also obtain an up-to-date copy of the Land Registry title to your property. Follow our guide here to obtain the title register. The title number will appear at the top of the 1st page and is in the format GB123456.
No, solicitors can make online applications, but members of the public must apply by post to:
HM Land Registry
Citizen Centre
PO Box 7806
Bilston
WV1 9QR
HM Land Registry do have a substantial backlog, and it can take 6 months or more for them to process an application.
If the matter is urgent (for example if you are facing financial hardship as a result of the delay) or if another Land Registry application is being delayed, the Land Registry will agree to 'Expedite' an application, which means they will try to process it within 10 working days. However, this is at the discretion of HM Land Registry. If you want to apply to expedite your application, you should write to the office dealing with it quoting your reference number and stating the reasons for your request.
Processing times vary depending on the type of transaction. For a standard TR1 transfer, it can take between 3 and 12 months for HM Land Registry to process your application.
For detailed information on TR1 processing times, what causes delays, and how to avoid them, see our complete guide: How long does it take to process a TR1 form?
In order to avoid delays, try to avoid the common mistakes set out here. If your application is accurate and complete HM Land Registry will be able to complete the process without raising requisitions, which will avoid a delay.
Chat with Clive to get a clear checklist of what to fix and send next →
Using Clive
Yes. Clive has a free usage tier that lets you ask questions, get guidance on forms like TR1, AP1, ID1/ID5 and DS1, and explore how the system works — all without entering any card details.
The free tier is designed so you can see whether Clive is helpful for your situation before choosing a paid plan.
Yes. Your information is stored securely and is never shared with anyone else. Clive doesn’t submit anything to HM Land Registry on your behalf, and it doesn’t act as your solicitor — you remain in full control of your documents and your application at all times.
All conversations and any information you provide are handled in accordance with strict data protection standards.
Disclaimer
Clive is an AI assistant, not a law firm. This information is general guidance for people handling their own straightforward Land Registry applications. It isn’t a substitute for independent legal advice, and you should use a solicitor for complex, high-value or disputed matters.