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.
Title Deeds - held by Alliance & Leicester?
CheekyMonkey
Posts: 227 Forumite
During a recent coversation with my Mum, we established that the title deeds to her house were actually held by Alliance & Leciester. Would these have been transferred to Santander?
My Mum had never ever thought about it, as the mortgage is completely paid up and it never crossed her mind. She's now very concerned as to where these documents are now held.
Can anyone provide any guidance - should I just contact Santander?
My Mum had never ever thought about it, as the mortgage is completely paid up and it never crossed her mind. She's now very concerned as to where these documents are now held.
Can anyone provide any guidance - should I just contact Santander?
Some days you're the bird......and some days you're the statue :cool:
0
Comments
-
I wouldn't worry too much. The Deeds should be held electronically. Just contact Santander yes, they should know.0
-
Is it registered land?
Check on the Land Registry site.
The actual deeds will only be needed if it isn't registered. Otherwise, the deeds pack may have one or two interesting bits of history, but is no longer of great significance.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 -
Assuming the land is registered, the Title is now held elctronically by the Land Registry. You can check here for £3.
However the 'Deeds' the A&L held may (probobly do) contain other documents - some may be just of 'interest' about the property, some may actually be legally important.
Whether registered or not, when the mortgage was paid off, the A&L should have
* contacted LR to remove the Charge (mortgage)from the Title (or registered the Title) &
* either returned the pack to your mum or, at her request, stored it. In which case it would now be held (somewhere!) by Santander.0
This discussion has been closed.
Confirm your email address to Create Threads and Reply
Categories
- All Categories
- 350.2K Banking & Borrowing
- 252.8K Reduce Debt & Boost Income
- 453.2K Spending & Discounts
- 243.2K Work, Benefits & Business
- 597.6K Mortgages, Homes & Bills
- 176.5K Life & Family
- 256.1K Travel & Transport
- 1.5M Hobbies & Leisure
- 16.1K Discuss & Feedback
- 37.6K Read-Only Boards