When you’re purchasing property in NSW, most people expect the title to be clear, complete, and fully verified. But sometimes, a property is recorded as Limited Title — and if you’ve never come across this term before, it can raise a few eyebrows.
At EzyStep Conveyancing, we see Limited Title pop up more often than you’d think, especially with older properties or rural land. Here’s what it actually means, why it matters, and how we help protect you.
What Does “Limited Title” Mean?
A Limited Title is a title where NSW Land Registry Services has not confirmed the exact boundaries or dimensions of the land. The title exists, but the boundaries haven’t been formally surveyed or guaranteed.
Think of it as the land being recognised — but the lines on the map may not be fully accurate.
This usually happens when older paper titles were converted to the Torrens system without a proper survey. It’s common in:
- Older suburbs
- Rural or semi‑rural areas
- Large parcels of land
- Properties that haven’t changed hands in decades
Why Does This Matter for Buyers?
Buying a property with Limited Title isn’t necessarily a problem — but it does mean you need to be aware of a few things.
- Boundary discrepancies
The fence line you see may not match the legal boundary. - Survey requirements
To upgrade the title to Absolute Title, a survey may be needed. - Extra costs or delays
Surveys, boundary adjustments, or dealing with neighbouring properties can take time. - Lender requirements
Some banks may request additional checks before approving finance.
None of these issues are deal‑breakers, but they do require proper guidance.
Our Recommendation: Consider Title Insurance
Because Limited Title carries boundary‑related risks, EzyStep Conveyancing often recommends clients take out title insurance.
Title insurance can provide protection for issues such as:
- Boundary or survey defects
- Encroachments
- Unapproved structures
- Title errors that only come to light after settlement
It’s a relatively low‑cost way to safeguard your investment and avoid unexpected expenses down the track.
How EzyStep Conveyancing Supports You
When Limited Title appears on a contract, we:
- Review the title and explain the implications clearly
- Advise whether a survey is recommended
- Discuss the benefits of title insurance
- Liaise with your lender if additional information is required
- Ensure you understand the risks before proceeding
Our goal is simple: to make your property purchase smooth, informed, and protected.