Selling a Property – Where are my title deeds?
So what are title deeds, where are they kept and do you actually need them?
What are title deeds?
- Title deeds are paper documents showing the chain of ownership for land. They can include conveyances, contracts for sale, wills, mortgages and leases.
Where are my title deeds?
- Land Registry records are electronic so we don’t store paper title deeds because of this.
- We would only have the original paper title deeds when land or property is registered for the first time, as we need them to prepare the register, or if we are retaining them on your behalf.
- Original deeds could be with the solicitor who acted for you when you bought the property or with your mortgage lender (if you have a mortgage).
Do I need my title deeds?
Most of the land and property in England and Wales has been registered however if your property isn’t on the register, and is unregistered, so you are applying for first registration, not having your original deeds can make the application to register the property difficult. You’ll need to supply a statutory declaration or statement of truth and verify your identity. As well as these obstacles, at the end of the application process the Land Registry may only be able to offer you a possessory title, which is the second highest class of title for land or property.
Once the first registration process is complete, your original title deeds can contain other information of interest for safekeeping, for example to see who owned the property previously or they may be useful in helping to decide the possible position of the specific legal boundary, so it’s always handy to keep them where you can find them!
If you would like Ringrose Law to act on your behalf for your conveyancing, please contact a member of the Conveyancing team at Ringrose Law at one of our offices in Lincoln, Boston, Grantham, Sleaford, Spalding and Newark.