Usually, these files are kept with the County Recorder's office. They are public record, which means that anyone who wants the information can take certain steps to obtain it. It also means that when you transfer property from one owner to the next, you need to change the official documents to reflect the transfer.
If the deeds are marked as 'filed' in the register then HM Land Registry has a scanned copy. Fill in the deeds request form using the property's title number from the title register.
A high-quality fire-proof document safe is the best option for keeping your title deeds safe at home. You should choose a safe that can protect paper documents against fire damage for at least one hour, as well as thieves.
Usually, the original copy of the title deeds is held by the solicitor you used at the time of purchase. However, if a mortgage was required when purchasing a property, then it is possible that your mortgage provider will also hold a copy.
It is possible to carry out a search at the Land Registry, to locate your property and title number. You can then obtain an up to date Official Copy of your title register and also copies of any documents referred to within the title register for a small fee.
You can obtain Official Copies of the Title Register, Title Plan and Filed Deeds directly from the Land Registry only by making a postal application using either form OC1 (for the Title Register and/or Title Plan) or form OC2 (for Filed Deeds). You cannot obtain Official Copies directly from the Land Registry online.
When you pay off your mortgage you might be required to pay the mortgagee (the lender) a final fee to cover administration and the return of your deeds). At this time your deeds will be sent to you for safekeeping. You can either keep them safe or ask your bank or solicitors to hold them for you.
The title deeds to a property with a mortgage are usually kept by the mortgage lender. They will only be given to you once the mortgage has been paid in full. But, you can request copies of the deeds at any time.
If you are buying a home with a mortgage, the mortgage lender may request that the Deeds are stored with them, otherwise they can be returned to you.
Bank vaults – Banking institutions provide house deed storage options, as well. You can keep all your important legal property-related documents in a vault or a safe deposit box.
All title deeds are now kept as digital scanned documents. Title deeds track the history of property ownership and may include other legal paperwork such as contracts for sale, wills, mortgages and leases.
What happens with the title deeds once my mortgage is paid off? If you live in England and Wales, your title deeds are most likely held electronically with Land Registry. Your solicitor will get them amended when you pay off your mortgage. Or, if your lender has hold of them, they'll usually send them to you.
Proving Ownership. Get a copy of the deed to the property. The easiest way to prove your ownership of a house is with a title deed or grant deed that has your name on it. Deeds typically are filed in the recorder's office of the county where the property is located.
Title deeds are the legal documents which record the ownership of a property and any accompanying land. Some deeds are stored by HM Land Registry when you register in your name, while others, such as wills and contracts, should be held by you or your solicitor.
If your property is registered with the Land Registry, you don't need the deeds to confirm your ownership and sell the property.
It usually takes four to six weeks to complete the legal processes involved in the transfer of title.
You own your home – either all or part of it – if your name is on a legal document called the title deeds.
These documents are called title deeds. The title deeds will show who owns the property. Title deeds will normally be held by your mortgage provider. If you do not have a mortgage the title deeds should be with an owner or may be held by a solicitor.
If your property isn't registered, it doesn't mean there is a problem with your ownership – it simply means there hasn't been a transaction to trigger the requirement to register since it became compulsory for your area.
You may apply for first registration of land if the title deeds have been lost or destroyed. HM Land Registry has special requirements and procedures for these applications, which are set out in this guide.
Banks are legally entitled to keep the Title Deed because it is their money that bought the home and they have a vested interest in the property,” explains Goslett. A title deed does not only define proof of ownership, but also states the details of a property, conditions and purchase price.
In short, yes you can sell your house without the deeds, however you must be able to prove through other means that you are the owner of the property. As the deeds are the assortment of documents which usually prove ownership, proving it without them can be a more protracted process, but it is by no means impossible.
The Land Registry recently advised that updating the register to add a mortgage or change ownership can take around 4 to 6 weeks, whilst creating a first registration, transfer of part, or a new lease is likely to take anywhere between 6 to 12 months.
Get a title register
The title register usually includes: the title number. who owns the property.
Paper deeds are usually stored by a solicitor or conveyancer who acted on the last sale of the property. The purpose of title deeds is purely to keep track of the ownership history of a property or land. They can provide useful information when it comes to applying for a mortgage, buying or selling your property.