House Deeds. Where do you keep them?

[Edrof]

Right now? Down ma pants.

 

[Tachyon]

I believe when the mortgage on my dad's house was 'nearly paid off' he had some sort of arrangement whereby he still owes a nominal sum and the bank retains the house deeds.

Yep, I have £1 left on my mortgage constantly and the building society holds on to my deeds.

 

[Narj]

What's the point... everything is kept in the land registry's database. Surely they are obsolete?

 

[Westyfield2]

I think I read somewhere that these days the physical paper deeds are worthless and that it's all done with the land registry electronically (i.e. someone can't just sell your house with the bit of paper). That said I'd still bank/solicitor them just for peace of mind.

 

[cm1179]

i don't know.

i can't find stuff at the best of times.

 

[NoUserName]

Under the door keeping it open like a boss

 

[Apopcalyptic]

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.

Spoken like a man who works in conveyancing! Ultimately, if your property has a Title Number, and is therefore registered with HMLR, then as long as the full epitome of title was submitted at registration then the deeds become nothing more than historical curiosities.

Depending on the Official Copy that you're obtaining, prices start at £6 if you use the Land Reg portal.

(I do post completion work for a conveyancer...)

 

[Tom_ed1987]

If I did have any I would just keep in the same place as all my other important documents,certificates etc.

 

[Pawnless Endgame]

When we bought our house, the solicitor allowed us to keep the deeds with them in their secure vault until we sell. I think this is fairly common.

Yeah they held onto mine for a bit as well. When I had it off them, I put it into a box that has suspension files under category "house". Other categories include utility bills, personal statements, medical, DLA and so on.

 

[Deleted member 77746]

I keep mine in a box in the living room with all my other house bills and info.

 

[ince]

if the property is registered the bin is as good a place as any