Deeds for house

[woodyTVR]

I'm in the process of remortgaging as my fixed term is due to end soon. The lenders Solicitor has asked 'who currently holds the Deeds to my property? On checking I see that these were held by the local Solicitors I used when we originally mortgaged with our current lender - We renewed with them after the original term ended so didn't go through all this again.

Now to the question. It seems my local Solicitors closed down due to Administration about 4 years ago, so who will hold the deeds?

[TooMany2cvs]

Almost certainly nobody. Unless nothing's been touched since the 80s (unlikely if you're remortgaging) the property will be registered at the Land Registry, so any paper deeds are of academic/historical interest only.

[woodyTVR]

Thanks, wonder why the lenders solicitors ask the question then!

[AndyNetwork]

TooMany2cvs said:

Almost certainly nobody. Unless nothing's been touched since the 80s (unlikely if you're remortgaging) the property will be registered at the Land Registry, so any paper deeds are of academic/historical interest only.

Have to agree with this. When I bought my house in 2009, I received a big bundle of paperwork, including all the paper deeds to my house.

Sadly these got stolen a few years later, when some b*****d ripped a safe out of the house. When I contacted the Land Registry to ask the same question as the OP, I was told that they are no longer needed as everything is done electronically these days, and other than for interest reasons, the paperwork is worthless.

[woodyTVR]

Perfect, thank you

[TooMany2cvs]

woodyTVR said:

Thanks, wonder why the lenders solicitors ask the question then!

Standard question that hasn't been removed despite not really being relevant. The correct answer is "It's registered."