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    Encumbrances & Co-Ownership

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    Introduction

    1. Introduction: Encumbrances and Co-ownership

    Whenever two or more people own land together, or a title carries rights that benefit or burden it, a conveyancer has to know exactly what is owned, by whom, and what must be done to pass clean title to a buyer. Getting this right protects your client from inheriting someone else's obligations — or losing money to interests that were never properly dealt with.

    This lesson builds your understanding step by step, from how co-ownership is structured through to clearing problems off the title on a sale.

    1. Co-ownership Structure and Types — how legal and beneficial title split, and the difference between joint tenancies and tenancies in common.
    2. Presumptions of Beneficial Ownership — how the law presumes the beneficial interest is held for domestic and business purchases.
    3. Severance — how a joint tenancy is converted to a tenancy in common, and the methods that work.
    4. The Form A Restriction and Selling on Death — what the restriction signals and what a surviving owner must do before selling.
    5. Overreaching — how a buyer takes free of beneficial interests, and when it fails.
    6. Encumbrances and Covenants — what burdens land, where it is recorded, and how covenants run.
    7. Workarounds for Positive Covenants — the devices conveyancers use when positive burdens won't pass.
    8. Dealing with Covenants and Charges on a Sale — practical solutions for problem covenants and mortgages.
    9. Encumbrances in Unregistered Land — how protection and searches differ without a register.

    Next: 2. Co-ownership Structure and Types

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