Form LL Restriction - Protect your land and property from fraud
What is a Form LL restriction?
A Form LL restriction is registered on the title at the Land Registry to combat fraud. Whilst it isn't a mandatory requirement or part of the conveyancing process when you buy a property, having it in place could stop a fraudster from selling your property without you knowing.
What is the Form LL Restriction wording?
The Form LL Restriction wording is:"No disposition of the registered estate by the proprietor of the registered estate is to be registered without a certificate signed by a conveyancer that the conveyancer is satisfied that the person who executed the document submitted for registration as disponor is the same person as the proprietor"
In plain English:"You can't sell, remortgage, or change the names on your property at the Land Registry without a conveyancer being 100% sure the people signing the document to change the title are the same people as those named on the document being submitted to the Land Registry". It is a face-to-face ID check against your passport or diving licence alongside the transaction documents.
The restriction forces the legal owners to have their ID verified in front of a solicitor and to confirm the names of the people undertaking the transaction are those in front of them. This can be done in a face-to-face meeting in a solicitor's office or via a video conference call such as Zoom, Skype or Teams. If the solicitor is satisfied, they issue a Certificate of Compliance containing a prescribed wording so the solicitor can complete the transaction.
The Form LL verification isn't advice about the transaction. It is an independent solicitor verifying ID to the transaction and title documents.
If you have a restriction you no longer need or want, read our article: How to Remove Restriction on Property, next.
Why do people get a Form LL restriction?
It is used as an anti-fraud restriction so that the ID of the registered owner is checked in front of a solicitor whenever you sell or remortgage the property. The restriction stops the solicitor from being able to complete the transaction until they or another solicitor has completed the anti-fraud check.
The risk of someone other than the legal owners selling or remortgaging your property is removed. For example: John and Mary own a buy-to-let property. Their tenants receive John and Mary's post and use this to impersonate them. Their tenants find a buyer, instruct a solicitor and provide ID documents to the solicitor. With only online checks, the solicitor may be duped into believing the tenants are John and Mary.
The tenants, in the end, sell the property, and John and Mary are the victims of fraud. Had there been the Land Registry's anti-fraud restriction, the tenants wouldn't have been able to sell the property as they would not be able to get past the face-to-face ID check.
Need a Form LL Restriction verified or removed by a Solicitor?
Fed up of solicitors who can't help? We can verify your identity to comply with a form LL restriction or apply or remove the restriction at the Land Registry. Upload your documents in our simple form to get started now, or get in touch to ask a question.
Ask us about your Form LL Restriction
A disposition is the transfer of an interest. An interest can mean legal or beneficial interest in a property. Dispositions include, but are not limited to:
- Selling the property
- Transferring all or some of the property to a new owner
- Making a non legal owner a beneficial owner of a share in the property
- Mortgaging the property
- Grant or reservation of an easement
- A rentcharge, or right of entry annexed to a rentcharge
Restrictions that include the term 'no disposition of the registered estate by a proprietor' stop the proprietor from transferring an interest in the property, usually until or unless they have met some other criteria. In the case of a Form LL Land Registry restriction, the proprietor must get a certificate from a conveyancer to confirm that they are, in fact, the proprietor they claim to be.
Disponor means the person who transfers or conveys a property to another. For example, if I own a property and sell it to you, then I am the disponor and you are the disponee.
What is the anti fraud procedure the solicitor has to follow?
Verifying | Removing Restriction |
We do not provide any advice on the transaction you are undertaking. We charge an additionbal £50 INC VAT for each additional proprietor as long as both parties attend the same meeting at the same time via Zoom.
Please note we will charge extra for:
|
We do not provide any advice on the transaction you are undertaking. We charge an additionbal £50 INC VAT for each additional proprietor as long as both parties attend the same meeting at the same time via Zoom. |
Form LL Verifying | |
£151 INC VAT | £201 INC VAT |
Form LL Removal | |
£260 INC VAT | £310 INC VAT |
Caragh is an excellent writer and copy editor of books, news articles and editorials. She has written extensively for SAM for a variety of conveyancing, survey, property law and mortgage-related articles.
