Selling Property With Limited or No Title Guarantee

Having limited or no title guarantee at your house can create some potential issues with trying to sell it, but you’ll also find that getting a quick and fair offer for your home is still achievable.

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Your top questions when selling a property with limited or no title guarantee

✅ If I'm trying to sell my home, why is the title guarantee important?

The title guarantee can be a crucial part of the process of selling a property because it’s a document that proves the person trying to sell the home has the right to do so and transfer ownership to whoever buys it. Title guarantees are often used in situations where the seller has little knowledge of the property’s history, for example if it’s being sold through probate.

✅ What are the different types of title guarantee for properties?

A full title guarantee means that all the information needed to prove the ability to transfer ownership exists. By contrast, with a limited title guarantee the seller is not able to fully provide details on potential legal issues that may apply to the home, but can guarantee some aspects. No title guarantee means the seller is unable to even provide partial assurances.

✅ Is it harder to sell a home that has limited or no title guarantee?

It can prove more difficult to get buyers interested in your property if there is limited or no title guarantee, because they could have concerns that there might be significant legal issues with the house that they’re unable to learn before making on offer. These problems can include someone else having a legal claim to the home, restrictive covenants and more.

✅ Why might some owners try to sell a home with limited or no title guarantee?

There are a few reasons why it might be preferable for a property owner to try and seek a buyer for the home without providing a full title guarantee. These scenarios include when the title deeds are missing and it would require too much time to try and locate them, where the property registration is out of date and it’s too costly to update it, and several other situations.

✅ Should I get indemnity insurance when selling a home with title guarantee issues?

Purchasing indemnity insurance could potentially be one way to address problems that might arise when trying to sell a house that has either limited or no title guarantee. This would provide protection against legal and financial claims that the next owner of your home could make if issues omitted from the title guarantee cause problems in the future, like restrictive covenants.

✅ Will I have to pay fees to sell a house that has limited or no title guarantee?

You will be required to pay commission if you choose to sell your home using an auctioneer or an estate agent, and this will increase your total expenses because this fee will be deducted right away from the final sale proceeds. But you won’t have to pay any commission if you sell your property on your own or if you sell it to an honest no-fee quick buyer like LDN Properties.

✅ How fast can I sell a property with limited or no title guarantee?

A fast way to sell your home that has limited or no title guarantee could be contacting LDN Properties or another quick buyer, as the timeline – including exchange of contracts and paying you the full proceeds – should only take a handful of weeks. Expect to wait at least several months if you sell on your own, with an estate agent or at a property auction.

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