What a property document check actually covers

Buyers often ask for "document verification" without a clear picture of what is being verified. Here is what a proper check covers, and why each item matters.

Title flow. The chain of ownership, traced back far enough to show how the current seller came to hold the property. A break in that chain is the single most common reason a transaction should not proceed.

Encumbrance certificate. A record of registered transactions against the property over a stated period. It reveals mortgages and charges, but only those that were registered — which is why it is read alongside, not instead of, the title flow.

Approvals and plan sanction. Whether what is built matches what was permitted. Deviations are common and not always fatal, but you need to know about them before you pay, not after.

Tax and utility receipts. Current, in the seller's name, with no arrears carried forward. Arrears attach to the property, not the previous owner.

Occupancy and completion certificates. For anything recently built, these are what convert a structure into a legally occupiable home.

A check that skips any of these is not a check. Propvanta coordinates the work, and the legal opinion itself is issued by a licensed advocate.