mortgage paid off!....title deeds?

MontBelzoni

i paid off my smart mortgage last year and my mortgage account balance is shown as 0.

sorry for asking this question as i have little idea about legal documents butshould i get some formal paperwork (title deeds) from my bank confirming me as outright owner?

many thanks

Scott

This does depend on where you live, since in Scotland you'd need to get a solicitor to request your deeds for you.

You'd be looking for a DS1/END1 form to have the property transferred into your name, but this may have been taken care of for you if solicitors were involved.

Best idea: give them a buzz and find out what's been happening.

jennifernil

We are in Scotland. We recently (in February) redeemed a mortgage with the Halifax. They organised the discharge of the Standard Security and sent the title deeds etc directly to us, no solicitor was involved.

jennifernil

Well it happened! Why should we need a solicitor to request our title deeds anyway? It is our house, our mortgage, and we paid it off, we are quite capable of saying "please send us our title deeds", why should a solicitor need to be involved? Just does not seem sensible.