Sales, lettings, planning and conveyancing on one record. Every sale reserved with a deposit.
My transactionYour agentSell with a deposit
BuyFor saleHomes for saleNew homesTypes of home: every kind there isCare and later livingEvery care home: the directoryClosed churchesOverseasLand and businessLand and farmsCommercial, offices and warehousesHotels and hospitalityLive auctionsTogetherLive differently: projectsWhitehole Springs community farm
RentTo letHomes to rentRooms and flatmatesStudent accommodationHoliday letsFor landlords and hostsHomebinding HostApproved cleaners, linen and keysRenting: the law and the agreements
StayBy the nightHoliday lets, hotels, B&Bs and innsEvery place to stay: the directoryRetreats and templesHomebinding Host: list your place
SellSellingSell with a depositHow a sale worksMy transactionValuations and surveysSell at auctionFast saleFormsAll formsMake an offerReservation agreementMemorandum of saleVendor sale packRegister interestContracts and titleSeller formsThe contract for saleThe report on titleAgency agreements, readAgentsEstate agents list freeYour Homebinding agent
ExploreLawPlanning law, every ActHM Land Registry and the tribunalRenting lawConveyancing, step by stepPlanning applicationsThe ten year ruleClass QGreen belt and grey beltBuilding regulationsProperty case lawA to Z of the law libraryMoneyMortgages and stamp dutyEvery way to borrowHouse pricesThe housing surveys, in fullEnergy and fabricEnergy, EPCs and renewablesBuilding design and materialsPlaces and peopleNeighbourhoodEvery place of worship: the directoryServices and tradesHomebinding ApprovedJobs in propertyVideo toursAbout HomebindingThe APIContact
Your agent
England · Accredited official statistics

HM Land Registry: Registration Services fees

All the housing surveys Ask your agent what it means for you
HM Land Registry: Registration Services fees

Charges of registered land

Charges of registered land

Fees payable

The fees are payable using Scale 2, based on the amount of the charge (see No fee payable for exemptions):

  • where the charge secures a fixed amount, base the fee on that amount
  • where the charge secures further advances and the maximum amount that can be advanced or owed at any one time is limited, base the fee on the maximum amount
  • where the charge secures further advances and the total amount that can be advanced or owed at any one time is not limited, base the fee on the value of the property charged
  • where the charge is by way of additional or substituted security or by way of guarantee, base the fee on the lesser of:
    • the amount secured or guaranteed
    • the value of the property charged
  • where the charge secures an obligation or liability which is contingent upon the happening of a future event, base the fee on either:
    • the maximum amount or value of the obligation
    • if that maximum amount is greater than the value of the property charged, or is not limited by the charge, or cannot be assessed at the time of the application, the value of the property charged
  • for large scale applications when a charge affects more than 20 registered titles, refer to large scale

Separate charges contained in separate documents will attract a separate Scale 2 fee. This applies even if they secure a single debt and are submitted at the same time.

For this type of transaction, use Scale 2 fees.

Examples

  1. Roisin already owns a house worth £300,000 and takes out a mortgage. The mortgage secures £150,000 and any further advances the lender may make. In this case, the fee is assessed under Scale 2 on £150,000 which is the maximum amount secured.

  2. Sanjay plans a self-build home. The bank will lend £100,000 for him to buy the land, and a further £150,000 in stages as works are completed. The fee is assessed under Scale 2 on £250,000 which is the maximum amount secured.

  3. Eric, who owns a house worth £500,000 has taken out a mortgage to secure an overdraft at his bank with a ceiling of £70,000. The amount secured varies depending on the overdraft account. In this case the fee is assessed under Scale 2 on the ceiling of £70,000.

  4. Angela wants to remortgage her house to get a better rate of interest. The mortgage secures £200,000. In this case, the fee is assessed under Scale 2 on £200,000, which is the maximum amount secured. There is no fee to register the discharge of the existing loan.

  5. A group of associated companies own several titles - Teracorp 1 Limited owns title numbers CS1 and CS2, Teracorp 2 Limited owns CS3, CS4 and CS5, and Teracorp 3 Limited owns CS6. They mortgage all 6 properties in one mortgage deed to secure £10 million. For fee purposes, this is treated as three separate mortgages, one by each company. Therefore, three fees are payable (one for each mortgage), and each fee is assessed under Scale 2 on the lesser of £10 million or the value of the properties in each of the 3 mortgages.

  6. A company owns 10 titles and mortgages all these titles in one mortgage deed to secure £10 million. The properties are worth together £15m. For fee purposes, this is treated as one mortgage and the fee is payable under Scale 2 on the sum of £10 million.

No fee payable

There is no fee payable for charges of registered land for:

  • a charge which accompanies a scale fee application under which the chargor becomes the registered proprietor of the land
  • a charge which is lodged before the completion of an application for compulsory first registration or for the registration of a transfer of registered land. An application to register a charge that does not accompany, but is lodged before completion of, a voluntary first registration, is not exempt from a Scale 2 fee.

On a typical house purchase, there will be a transfer to the buyer, accompanied by a mortgage enabling them to buy the property (in a mortgage, the borrower is called the “chargor”). In this case, the only fee payable is on the transfer.

Examples

  1. Janek buys a house for £350,000 with a mortgage to secure £150,000. He submits both on June 1 and the application is completed on June 8. The fee is payable under Scale 1 on the price paid for the house, there is no additional fee for the mortgage. This is also the case if the mortgage was sent in later before the case was completed.

  2. Janek buys a house for £350,000 with a mortgage to secure £150,000. He submits the transfer on June 1 and the application is completed on June 8. He sends in the charge on June 12. The fee is payable under Scale 1 on the price paid for the house, but this time, there is an additional Scale 2 fee assessed on the value of the mortgage because the mortgage application will then become a new application.

Ask Sorrel