House deeds

[55palfers]

Paid off the mortgage a couple of weeks ago.

We've had the letter confirming the debt is discharged and the lender will be electronically informing the Land Registry.

Should we expect to get the paper deeds in our hands sometime soon, or is it all just electronic now?

[NDA]

In my experience it's all electronic now.... but you might get lucky. My current house, built in 1600, had no original deeds, just the electronic paperwork.

A few houses ago I ended up with parchment (?) with wax seals and including some wills too. I think it all depends what's on file - house owners can retain the original deeds and then you'll never see them.

[ThunderGuts]

Any paper deeds won't mean anything, it's all on the Land Reg now.

Well, moving that way fast as various things trigger 'first registration', moving from old paper deeds to electronic records.

[Muncher]

ThunderGuts said:

Any paper deeds won't mean anything, it's all on the Land Reg now.

Well, moving that way fast as various things trigger 'first registration', moving from old paper deeds to electronic records.

Not everything is scanned and stored with them. I would still recommend storing pre-registration deeds safely just in case. Whilst your title is registered they may be useful and shed some light on things further down the line.

[55palfers]

Electronic eh, what a shame. I'd have liked the original paper ones.

[ThunderGuts]

Muncher said:

Not everything is scanned and stored with them. I would still recommend storing pre-registration deeds safely just in case. Whilst your title is registered they may be useful and shed some light on things further down the line.

Most Banks will bin them rather than send return them.

The OP will more than likely have to ask for them to be returned, however the fact he has been informed means they are probably confetti already

[Roger Irrelevant]

55palfers said:

Electronic eh, what a shame. I'd have liked the original paper ones.

I know what you mean - I was fortunate enough that my current house was unregistered when I bought it, so that meant I got a big stack of paper deeds. Some of the earlier ones (1830-ish) aren't far short of works of art - A2-sized bits of parchment covered in really intricate cursive writing. Got one particularly nice one framed on my wall. I'm glad I wasn't a lawyer then as writing those things must have been a nightmare!

[V8A*ndy]

My solicitors firm wrote to us to tell us our deeds are "safely locked away in the secure fireproof vaults"

Probably the cupboard under the stairs.

[Muncher]

V8A*ndy said:

My solicitors firm wrote to us to tell us our deeds are "safely locked away in the secure fireproof vaults"

Probably the cupboard under the stairs.

It's not a bad move to ask for scanned copies of these things if there is any need to retrieve them. They can and do get lost!

[condor]

I had my mortgage with Bradford and Bingley and paid it off around 10 years ago - I was sent the deeds by recorded delivery. At the time various people were suggesting to leave a small amount owing on the mortgage so that the Building society would keep the deeds safely.