Countdown to Freedom

Watty1

Secret_Saving_Squirrel wrote: »

You won't get any deeds as it is all electronic at the land registry now, which is a bit disappointing. We just got a letter from the bank saying the mortgage was paid off.

That's interesting. About 6 months ago we got Mr Watty's dad's deeds in paper format from building society when we cleared his mortgage for him.


And the bank wanted to charge me £125 for looking at ours in the presence of a solicitor (more charge)...
I wonder why you didn't get deeds Squirrel??

lindens

Was it you Tilly, who mentioned you use tea tree oil in your steam mop?
Is it as simple as adding a few drops of essential oil to the water container every time i fill it up?

Thanks
PS Congrats on your oh-so-close figure!

Tilly_MFW_in_6_YRS

lindens wrote: »

Was it you Tilly, who mentioned you use tea tree oil in your steam mop?
Is it as simple as adding a few drops of essential oil to the water container every time i fill it up?

Thanks
PS Congrats on your oh-so-close figure!

Hi Lindens, I sprinkle a few drops on the floor where I am using the steam mop. Most steam mops can't cope with anything other than distilled water.

Best wishes Tilly x x

Tilly_MFW_in_6_YRS

Hi Greying, thanks for the info re deeds. I'm calling the bank next week to check what the procedure is.

I'll try not to buy an accidental house in the meantime.

Best wishes Tilly x x

atypicalblonde

Tilly - re. deeds- this is the area I work in.

If your deeds were deposited with your lender when you took out the mortgage they will return them to you once it's paid off, even though the documents themselves have no real worth presuming your property is registered at the land registry. The bank will have no interest in retaining them. It may be, however, that your lender has never had the deeds - not all banks insist on having them now due to the electronic register of title that is maintained for each registered property. The mortgage in itself gives the bank the security it needs to enforce should it need to - deeds are no longer required.

PM me if you like once you've spoken to the bank. Either way, once it's paid off as Greying says you can pay £3 to check the title to your house online via the Land Registry website - Part C of the register of title is the charges register where mortgages are listed. Give it around 6 weeks though before you check - the discharges are filed electronically by the banks in batches so it won't necessarily be removed from the title immediately xx

gallygirl

Tilly_MFW_in_6_YRS wrote: »

I'll try not to buy an accidental house in the meantime.

Be very careful - it's easily done :eek:.

shangaijimmy

Does the tea tree help with the cleaning or is for the smell?

Tilly_MFW_in_6_YRS

shangaijimmy wrote: »

Does the tea tree help with the cleaning or is for the smell?

I use it for the smell. I have two large hounds and don't want the house to smell of dog

Secret_Saving_Squirrel

Will you take the hounds with you to Portugal?

Tilly_MFW_in_6_YRS

Secret_Saving_Squirrel wrote: »

Will you take the hounds with you to Portugal?

Not for holidays but when we move permanently they will be coming too.

Both the hounds and cats life expectancies mean they should have a few years over there with us. I do hope so as they will love the garden

Best wishes Tilly x x