property title deeds storage

Grimley

Grimley

Grimley

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I just want a bit of advice here.

When my nan died many years ago I inherited her house & her mortgage (I was guarantor for the mortgage when she was alive, so I was paying it on her behalf & she would give me money towards it)

I'm due to finish paying said mortgage in six weeks time & I've just got a letter asking where I want the property title deeds sent to.

The general consensus of the internet, they are not really that important to keep the deeds in a safe place, as details of the property & the current owner are kept with the land registry if the property is registered with them, I want to confirm this, how do I do that?

If they are important I don't really want to keep them where I live in case of a fire. I could ask the solicitor who keeps my will to store it but that's going to cost me £xx per year.

Opinions please.
 
I know it doesn't help in your situation.
However I was always told to not pay off my mortgage in full (when eventually I get to that point) and instead leave £5 on it.
As the mortgage isn't paid off the lenders keep the deeds - cheaper than finding "proper" storage for them yourself.
 
arknor said:
Send them to yourself via royal mail.

keep doing this every day.
cheaper than storage
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Yes, because that'll keep them safe long term. :rolleyes: They'll probably end up dumped in a woodland somewhere by a contracted TNT worker.

Alternatively, just buy a fireproof safe.
 
You no longer need to hold title deeds to prove you are the owner of your registered land or property, as we hold details of all registered land or property electronically.

Many mortgage companies now have a policy of not holding any deeds for registered land or property; they rely on our electronic records.
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http://www.landregistry.gov.uk/public/faqs/where-are-my-deeds-kept

Sounds like the earlier suggestion of a desk drawer would work.
 
As said, the deeds are a (bad) photocopy of an original held elsewhere. You do not need them to prove ownership. Mine just live in a filing drawer with the rest of my life's stuff.
 
Fire proof mini safe. We bought ours from staples.

I didn't pay for 25 years for someone else to keep my deeds !

It's also handy to see just what EXACTLY is your property at a moments notice.
 
Scan and dropbox/email yourself/google drive a copy. Then stick the "original" somewhere "safe" (I.e. a big box of paperwork in the loft) :p
 
If the property is registered at the land registry paper deeds are obsolete.

There is no point storing them anywhere. Just make sure the correspondence address is up to date at the land registry.
 
Outcast said:
Fire proof mini safe. We bought ours from staples.

I didn't pay for 25 years for someone else to keep my deeds !

It's also handy to see just what EXACTLY is your property at a moments notice.
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Doesn't show EXACTLY what is your property though.....plus they can show boundaries in the wrong position in which case it goes by the older title deed if there are differences between two neighbouring proporties ;-)
 
I received mine yesterday, they got put in the box file with everything else labelled "house". As said, there is no need to store them any safer than that now.
 
Meridian said:
The first version I got of my current house showed only half the property, so I had to get another copy. Emphasis on copy, because you never get the original.
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I have my original deeds...as in the legally defined original. They are kept, along with my will, trust documents and other odds and sods at my solicitors. I don't think you even need Title Deeds these days as everything is kept digitally and you can just look them up or ask for a copy to be printed afaik....I don't think remortgaging my house just to store my title deeds FOC is really practical tbh...
 
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