House Deeds. Where do you keep them?

[Vita]

Aren't house title deed available from the Land reg for like £4? Or are house deeds totally different?

 

[McGray]

Time capsule under kitchen floor.

 

[danielanthony]

It matters not. Lenders do not keep them anymore as the deeds are now all electronic.

Paper ones are just nice to have as a bit of history of the house really. New houses no longer get issued with paper ones.

Yep, this is how it worked when I bought my house 3 years ago.

/Thread

 

[Goldy]

All stored at the Land Registry electronically. Cost's £4 for a title register. Quite interesting if you want to find out how much the neighbour paid for their house.

 

[badcompany]

If you're allowed, keep you final mortgage payments low so you pay £10 a month to pay off the last £500 so the bank keeps the deeds in thier vault

do this cheaper than paying for storage

 

[Destination]

do this cheaper than paying for storage

Means you have to declare the bank as an interest on every apPplication you make in reference to the property, all insurance purchases, and it becomes more messy in the case of an inheritance.

 

[lucy_bee]

No idea where mine are

Which makes me think on, must get in touch with solicitor next week about the deeds.

Thanks for reminding me OP

 

[godinman]

I don't know where mine are either! I'm sure the gf would know, being built in 1860 or something I guess there'll be some proper fancy paper deeds somewhere or other.

 

[stulid]

Mine are in solicitors safe/vault.

 

[MrKnifey]

Im sure you can pay the bank a set ammount a month for a lock box in your local branch? You can where I am...

 

[Jokester]

I've got my copy in my legal box case thing.

 

[lucy_bee]

Im sure you can pay the bank a set ammount a month for a lock box in your local branch? You can where I am...

No room for deeds there. That's where I keep my gun and emergency passports/credit cards.

 

[BDEE]

All stored at the Land Registry electronically. Cost's £4 for a title register. Quite interesting if you want to find out how much the neighbour paid for their house.

Or you could just look for free on one of the many sites which has this information freely available.

 

[GinG]

Going to have a look... genuinely don't know where ours are...can't even remember getting any? Are they not passed direct to the mortgage company?

 

[Destination]

Or you could just look for free on one of the many sites which has this information freely available.

Such as where?
How much my neighbour actually paid for their house, where can i find that out for free online?

 

[BDEE]

www.nethouseprices.com
Zoopla
Even right move gives you sold prices....

 

[Castiel]

Mine are with a bunch of other valuables in a Safety Deposit Box at the bank. Costs about £22 a year I think. You don't really need the Deeds these days anyway, as you can just get copies from the Land Registry.

 

[J-FRO]

Yup as Castiel and a few others have said, all online.

We refer to them as "office copy entries" (OCE's) and its £4 for the title and another £4 for the plan. That is of course if your documents are electronically stored online, not everything is yet. I actually spoke to a guy at the Land Registry today whilst I was phoning to see if they had a more legible copy of some lease from 1926 and they told me afraid not and that they've only been actively scanning old stuff in for about the past 4 years. Most new builds/new sales/transfers of land will be scanned straight away now though.

If you do request the docs and they're not available to download electronically straight away, it can cost somewhere between £12 and £24 to get what you need I think.

 

[churchhawk]

I thought they meant nothing nowadays, its all electronically on record so why pay someone to keep them!

 

[~Divine~Wind~]

Erm... I think the solicitor has ours Not really sure lol