Getting a mortgage on a Qualified Title?

Getting a mortgage on a Qualified Title?

0:06 AM, 24th February 2023, About 10 months ago

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Hello, I own 2 flats in the North East – basically a terrace house that has been split into an upper and a lower flat

I put them up for sale 2 years ago and got buyers in the first week – then the fun began.

They are what is called ‘Tyneside flats’ meaning the upstairs have the freehold of the downstairs and down, upstairs.

However, 16 years ago when I purchased the original downstairs flat, the Freehold was not transferred and has been lost or destroyed so the solicitor went to Land Registry who said they would only grant a Qualified Title. My solicitor told me this was fine.

It isn’t because mortgage companies will not lend on it and the leases of both (I own both) have to be extended.

It seems mad I had two different mortgages on this flat with no problem.

Any comments or suggestions would be welcome, 2 years and it’s still going on.

Thank you,


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