What does full title guarantee mean?

• A. Seller has a right to dispose of the property, property is sold free from undisclosed charges/ adverse interests.
• B. Buyer takes subject to all existing charges.
• C. Seller guarantees the highest market price.
• D. Seller has no liability after completion.

Answer: (B)

Full title guarantee is the strongest level of protection a buyer gets in a property transfer. It means the seller warrants they own the estate or interest being sold, have the right to dispose of it, and that the property is free from charges or adverse interests that are not disclosed. If any defect in title later emerges, the seller typically agrees to compensate the buyer for losses arising from that defect. Because of this robust protection, the description that best matches full title guarantee is that the seller has the right to dispose of the property and that the property is sold free from undisclosed charges or adverse interests. The idea of the buyer taking subject to existing charges reflects a weaker guarantee, while the other options describe irrelevant or unrealistic outcomes.