On the Front Page of the Contract, which disclosures are required?

• A. All rights regardless of visibility
• B. Only rights in public registers
• C. No disclosures are required
• D. Adverse rights in the encumbrance section and mortgage

Answer: (D)

The important idea here is that the Front Page is meant to alert the buyer to burdens that actually affect the property. On this page, disclosures focus on adverse rights that encumber the land and any security interest attached to it. Specifically, you must flag adverse rights in two places: the encumbrance section, which covers third‑party interests like easements, covenants, rights of way, and other restrictions, and the mortgage section, which reveals any existing charge or loan secured on the property that will need to be dealt with at completion. This combination ensures the buyer can assess what legal burdens will continue after exchange and what steps may be needed to discharge or manage them.

Choosing all rights regardless of visibility would be impractical and potentially misleading, as not every right is relevant or known. Limiting disclosures to rights in public registers would miss unregistered or private rights that can still affect use of the property. Saying no disclosures are required is incorrect, since known burdens must be disclosed.