Lost your home’s deeds? Here’s what to do
Even if it’s been a good few years since you last moved, you may already be aware that deeds are transferred and held electronically by the Land Registry and if you didn’t know that, you do now.
Most properties are registered with the Land Registry and if your property is one of them, you don’t need to panic because you will not need a paper copy of your original deeds. If your property is not registered with the Land Registry, then things are a little more complicated.
What are deeds?
The title deeds of your property prove that you are the legal owner of your home, so they are extremely important when buying or selling.
Do you need deeds to sell your home?
When it’s time to sell your home, you will not need your original paper deeds if your home is registered with the Land Registry. It has been compulsory for any transfer of land or property to be registered with the Land Registry since 1990. So, unless you moved or remortgaged before this, then your home will be registered. If your property is not registered with the Land Registry, you will need your deeds. If you have searched your home thoroughly for your original paper deeds, and can’t find them, there are a few places you should look.
Places where you may find your deeds other than your home
If you need to find the deeds of your property because it is not registered with the Land Registry and you have searched every nook and cranny of your home, your mortgage provider or solicitor may have them. It could also be worth checking with the previous owner or their solicitor. However, finding the original paper deeds to a property is no easy task, as often they can be quite old. This is where you will need the help of a conveyancer or solicitor.
How can a conveyancer or solicitor help?
So, if you can’t find your deeds and your property is not registered with the Land Registry, it’s time to contact your conveyancer or solicitor. The Land Registry does not store original paper deeds so you will have to apply to the Land Registry for a first registration. Your solicitor can help you with this process. You will need to provide information such as when the original deeds were lost or destroyed, how this occurred, identify the property in detail and whether you had a mortgage at the time the deeds were misplaced. The Land Registry will consider each case individually so seeking the guidance of a good solicitor or conveyancer is a wise move.
Great properties and property professionals
It’s easy to become disheartened if a few obstacles stand in the way between you and your dream home. When you find the home you want and are organised, moving is a straight-forward process. However, from time to time, a few problems may need the attention of experts. That’s why it’s important to surround yourself with the right team who can guide you through the moving process. From finding the home you love, a good mortgage advisor and conveyancer, a great agent will give you all the support you need.
Looking for your perfect property and lost your way? Contact us to see how we can help
This article was originally published by BriefYourMarket and is reproduced here with their permission.
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