Discussion
I had the same moment of terror.
It’s registered at the land registry and that seems to be all that matters - my impression was the physical holding of deeds applies more to old property that hasn’t changed hands since x date. Your old solicitors may hold a copy though, on our purchase recently I got an email from a third party firm confirming receipt of them if I recall but I didn’t have that last time
It’s registered at the land registry and that seems to be all that matters - my impression was the physical holding of deeds applies more to old property that hasn’t changed hands since x date. Your old solicitors may hold a copy though, on our purchase recently I got an email from a third party firm confirming receipt of them if I recall but I didn’t have that last time
98elise said:
Roy the Boy said:
As I understood it - if you have a mortgage, the mortgage provider keeps the deeds til you pay it off.
The Halifax sent me my deeds once I paid the mortgage off.
Not true any more. I have a mortgage, and I have the paper deeds to my house.The Halifax sent me my deeds once I paid the mortgage off.
AJL308 said:
98elise said:
Roy the Boy said:
As I understood it - if you have a mortgage, the mortgage provider keeps the deeds til you pay it off.
The Halifax sent me my deeds once I paid the mortgage off.
Not true any more. I have a mortgage, and I have the paper deeds to my house.The Halifax sent me my deeds once I paid the mortgage off.
You can download a copy of your deeds from the Land Registry
You will need to sign up, and the cost will be £3.00
There's more information on the service here
You will need to sign up, and the cost will be £3.00
There's more information on the service here
TonyRPH said:
You can download a copy of your deeds from the Land Registry
You will need to sign up, and the cost will be £3.00
There's more information on the service here
That isn't a copy of the "deeds" though. It's a copy of the title register which is created from the deeds (usually). Not the same thing but pedantry matters in these things. You will need to sign up, and the cost will be £3.00
There's more information on the service here
AJL308 said:
TonyRPH said:
You can download a copy of your deeds from the Land Registry
You will need to sign up, and the cost will be £3.00
There's more information on the service here
That isn't a copy of the "deeds" though. It's a copy of the title register which is created from the deeds (usually). Not the same thing but pedantry matters in these things. You will need to sign up, and the cost will be £3.00
There's more information on the service here
Bugger.
AJL308 said:
TonyRPH said:
You can download a copy of your deeds from the Land Registry
You will need to sign up, and the cost will be £3.00
There's more information on the service here
That isn't a copy of the "deeds" though. It's a copy of the title register which is created from the deeds (usually). Not the same thing but pedantry matters in these things. You will need to sign up, and the cost will be £3.00
There's more information on the service here
When I asked them for them back, they said they had destroyed them and that the LR had been updated to reflect that the bank no longer had an interest.
They did this without our knowledge.
AJL308 said:
If the property is registered the physical deeds are nothing more than historic artifacts. They no longer serve any legal purpose.
As a historical artefact they can be fascinating and it's a shame they're no longer physically retained. I remember when the mortgage for my first house was paid off and I received a bundle of deeds (probably about 2 lever arch files' worth) going back to 1850 when the house was built. it contained the names of all the owners, the various transactions, the leasehold/ground rent (86 pence a year). When we bought our first house the mortgage company held the deeds. When the mortgage was paid off they sent them to us. We passed them on to the buyers when we sold it.
Our current house was inherited and the solicitor my dad was using keeps the documents in a vault.
When we took ownership we updated the Land Registry ( our daughter works for them so she helped us with the paperwork but couldn’t do the update herself).
Our current house was inherited and the solicitor my dad was using keeps the documents in a vault.
When we took ownership we updated the Land Registry ( our daughter works for them so she helped us with the paperwork but couldn’t do the update herself).
Roy the Boy said:
As I understood it - if you have a mortgage, the mortgage provider keeps the deeds til you pay it off.
The Halifax sent me my deeds once I paid the mortgage off.
Really?The Halifax sent me my deeds once I paid the mortgage off.
we had our mortgage with The Halifax and paid it off years ago,
we've never received any deeds from them, just a letter confirming the mortgage has been paid
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