General Chat

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Hi Peeps,
Those of you who have finished paying your mortgage,
where do you store the deeds to your house?
with a bank?
solicitor?
or keep them yourselves?

just wondering,when the time comes for receiving my deeds.
which will be
VERY SOON !!!!!!!!!!!!!!!!!!!!!!!!!!!!!
YAY!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!

Trish
xx

Hi Trish
Our deeds are with Building Society,tiny fee keeps them safe.
Nice feeling isn't it?
Mau x

don't think they are deeds now - you have a document from the Land Registry. Ours were always kept by the building society - my OH left £1 in the account and they looked after them, but then they said they wanted to close the accoint completely so our solicitor had them along with our wills.

Thanks for your replies,
just wondering what is best to do,

Mau,the reason I asked is
the Building Society I am with,
several years ago,
sent me a whole pile of records of previous
householders.
dating back to 1880's,
stating they no longer hang on to old paperwork,
I was shocked and also pleasantly surprised to receive all of this.
I am now thinking of getting a fireproof box,
to keep it in.
Will perhaps think differently nearer the time,
I am getting so excited,
hubby and I will be mortgage free.

Trish
xx

I had the deeds to my last house in the dining room cupboard with the "posh" dinner service. The deeds to my current house no longer exist which is a shame as I'd like to have known it's history.

Thats Right Ann,just a Document,We have that and the Complete set of deeds to our property,There,s a lot,and very interesting to read the history of the house and a lot of amusing parts in them,if its an old house its really worth while getting all of them.**M**.

Didnt know than Ann,about a document
that sounds interesting.
I will look into that.

We dont mind what document/deeds we have,
just something to say the house is
OURS!!!!!!!!!!!!!!!!!

Even just saying it, is making me feel so excited,
after all the hard work,you put into it,
working long hours,and many a year.

Thank you Merlin for your reply also.

Trish

We're quite happy Tina to have our papers etc.with building society,but if they chose to close the account we would take them to solicitors,to be kept with our wills.

Trish,When You Get Them You will feel" B"Marvelous ,knowing "Its All Yours" best wishes,**M**.xx.

Merlin I keep jumping up and down,at the thought of being able to say
It's ours,at last,
must contain myself. lol!!!!!!!!!!!!

Trish
xx

Joan,If they are available you should be able to have all of them,The land on which our house stands goes back to "King Offa" and as it was at one time "Church Lands Etc" the History in it makes Facinating reading. There is even a section relating to part of the land being let out for "One Peppercorn per Annum,If Demanded.**M**.

Joan thats also interesting,
especially you say,not sure how much of that paperwork we will actually be allowed to have.

I just spoke to someone at the Land Registry,
and he said most Building Societies nowadays,
dont have the storage facilities, they either destroy,or pass them on to the present occupier.

Regarding coming to the end of a Mortgage,
BS then contact Land Registry,and they release the documents.

Our deeds are with the building society.Dont make interesting reading anyway.The house is only 8 years old and we are the first owners. Annie

Just Think Joan,When you,ve finally got them,you can "Jump up and down and wave your,er,Deeds in the Air" Best Wishes.**M**. :o))))>.

all deeds now are on disc so the paper ones are not needed you should be given them even if you still have a mortgage on property

Trish.....I am in the middle of selling house, no mortgage but the deeds were with the bank...they lost them as they are not kept in local branch but sent off (never to be seen again apparently!).

..my solicitor who kept some of the land registry papers still had them in the same drawer they were stored in 15 years ago!
He told me that it is so common for the banks (all of them ) to lose the deeds...I would not put them with a bank in future thats for sure, it has added time and money and stress to the sale! (they still didn't find them so 'office copies' from land registry had to be got instead)

Rose xx

We have our deeds and Mum-in-law's too. They are not really needed now as both properties are on the Land Registry computerised lists.

It is such a shame when people don't opt to keep their paper deeds, though our local Land Registry office did say that if people don't want them back, they usually deposit them with the local archives.

Ours are in a fireproof safe with our wills, passports etc. Hopefully the next owners of the properties will be pleased to have these original documents, but maybe not everyone is as interested in these pieces of history as we all are!

Elisabeth

Trish,

Just thought, back to your original question. It is probably a good opportunity to have your property registered - then Deeds are not such a vital document in any future sale. It does cost a little, but is necessary for the future.

Elisabeth

We left our deeds with the building society for safety
The deeds told us everthing as they were very old
, then the society phoned us to say they have had
a fire, and deeds were destroyed, they had managed to get a smaller version, all the old details have been lost and to top it all they asked for £70 for the new one!!! after much arguing they waived the cost. now we keep them at home.

Jean x