Once you buy a property your solicitor will receive the Title Deeds. They will register your title with the Land Registry and then, if you have a mortgage, he will register the mortgage against your title and in most cases the deeds will then be sent to your mortgage provider who will hold them until the mortgage is paid off in full.

If you decide to sell your property before the mortgage has been cleared then the mortgage must be cleared by you through your solicitor (usually from the proceeds realised from the sale of your property). This is done before the deeds can be released and is arranged between the solicitors and the mortgagees.

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. They may make a small charge for this.

Related article: What are Title Deeds?

For more information or to speak to a mortgage adviser contact us 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.

The Financial Ombudsman Service is an agency for arbitrating on unresolved complaints between regulated firms and their clients. More detail can be found on their website: www.financial-ombudsman.org.uk

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