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Where are your Title Deeds?

Beginners Guides, Case Tracker, Contract, conveyancer, Conveyancing, Conveyancing Quote, terms and conditions, Title Deeds

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Picture this, you are buying a house, a lovely Victorian terrace and a few weeks after the day of completion your Conveyancer sends you an email with an attachment to a three page document advising you that this is the title to your property.

We live in a digital age

This cant be right can it? Where are the giant yellow hand written documents, the wax seals, the sense of importance? Well, unfortunately for those nostalgics out there, we live in a digital age  and these are your Deeds. Since the introduction of compulsory land registration in 2002, although these deeds are nice to have around, they mean very little as all the relevant information for the property and its ownership is registered online with the Land Registry. Lenders, when they held a mortgage over a property used to hold the deeds as collateral but once registration of a property had taken place, very often the deeds were destroyed to save on storage costs.

Pre-registration deeds

So, although in some cases, your Conveyancer might still send you a musty old folder of what we now call “pre-registration deeds” which may be very interesting to read through, they don’t really hold a lot of value anymore and we don’t treat them with the same care we used to. Most Conveyancers wont even store pre-registration deeds for you in their deeds store as it is unnecessary.

Peace of mind for you

So, if you receive a  letter saying you now hold you title, we aren’t being mean and holding back the good stuff, this is all we have. Having said that, remember that having your title registered with the land registry centrally in your name is much safer than holding those old deeds in your hand.   It means if the pre-registration deeds are lost or destroyed, its not really that much of a concern to an owner, their solicitor or a prospective buyer. It’s all safely stored for you electronically.

Have any questions?

If you have any questions about your deeds or if you want to find out if your property is registered, then don’t hesitate to speak to your Conveyancer on 01623 45 11 11.

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