We'd like to remind Forumites to please avoid political debate on the Forum... Read More »
PLEASE READ BEFORE POSTING: Hello Forumites! In order to help keep the Forum a useful, safe and friendly place for our users, discussions around non-MoneySaving matters are not permitted per the Forum rules. While we understand that mentioning house prices may sometimes be relevant to a user's specific MoneySaving situation, we ask that you please avoid veering into broad, general debates about the market, the economy and politics, as these can unfortunately lead to abusive or hateful behaviour. Threads that are found to have derailed into wider discussions may be removed. Users who repeatedly disregard this may have their Forum account banned. Please also avoid posting personally identifiable information, including links to your own online property listing which may reveal your address. Thank you for your understanding.
📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!
Title Deed missing
chrysalisanne
Posts: 1 Newbie
I am selling my house and cannot find the Tital Deed; the trouble is the property isn't registered at the Land Registry. Advice please.
0
Comments
-
Do you have a mortgage? The lender may have it.
Did you use a solicitor to buy? He may have it.
Do you have an attic? It may be up there!0 -
My friend has the same problem, compounded by having to act as executor for a will at the same time.
Every avenue has been explored and the deeds have not turned up. Their solicitor has written to every solicitor and bank and building society in the area.
The only alternative is to provide a purchaser with indemnity insurance. However, the title is only set after ten years and in the meantime, the property is unlikely to be mortgageable. As a consequence they will be lucky to get 75% of its true value from a cash buyer only.I am a mortgage broker. You should note that this site doesn't check my status as a Mortgage Adviser, so you need to take my word for it. This signature is here as I follow MSE's Mortgage Adviser Code of Conduct. Any posts on here are for information and discussion purposes only and shouldn't be seen as financial advice. Please do not send PMs asking for one-to-one-advice, or representation.0 -
1. How long ago did you acquire?chrysalisanne wrote: »I am selling my house and cannot find the TitLE DeedS; the trouble is the property isn't registered at the Land Registry. Advice please.
2. Did you buy or receive it as a gift/inheritance?
3. Is it freehold or leasehold?
4. Have you actually made an HMLR search (hard-copy form SIM)?0
This discussion has been closed.
Confirm your email address to Create Threads and Reply
Categories
- All Categories
- 351.3K Banking & Borrowing
- 253.2K Reduce Debt & Boost Income
- 453.7K Spending & Discounts
- 244.2K Work, Benefits & Business
- 599.4K Mortgages, Homes & Bills
- 177.1K Life & Family
- 257.7K Travel & Transport
- 1.5M Hobbies & Leisure
- 16.2K Discuss & Feedback
- 37.6K Read-Only Boards