Title deeds are paper documents showing the chain of ownership for land and property. They can include: conveyances, contracts for sale, wills, mortgages and leases.

In the 1990’s, land started to be registered nationally on what is now a computerised database and in most cases the Land Registry now hold all relevant information required to ‘prove’ ownership. However, Title Deeds and associated plans are still useful when trying to establish historic ownership and in the resolution of boundary disputes.

If you do not have the original deeds and the property has not previously been registered then you will need to fulfill a variety of additional requirements in order to prove valid title. It is possible that a ‘Possessory Title’ may be offered in cases where full title cannot be proven.

In most cases, Title Deeds are retained by the mortgagee until such time as the loan is repaid.

Related article: What happens to my Title Deeds on Completion?

For more information contact us or speak to a mortgage advisor on 01628 507477.

 

Your home may be repossessed if you do not keep up repayments on your mortgage.

There will be no fee for Mortgage Advice. There may be a fee for arranging a mortgage. The precise amount will depend upon your circumstances, but we estimate it to be £399.

Mortgage Required Ltd, Finance House, 5 Bath Road, Maidenhead, SL6 4AQ is authorised and regulated by the Financial Conduct Authority reference 573718 at www.fca.org.uk.

Call: 01628 507477