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Completion documents?

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Transatlantic
Transatlantic Posts: 10 Forumite
in House buying, renting & selling
I completed on my house purchase last week and now have the keys and am moving in.

However, it just occurred to me that I don't know what documents I should now have in my possession to say that I actually own the property?

So what should I expect to receive? or already have received at this point?

I believe the main bit of information is stored with the land registry, but should I also have a copy of that document?

(It's a freehold property I have purchased with a mortgage if that helps)
«13

Comments

  • AdrianC
    AdrianC Posts: 42,189 Forumite
    Eighth Anniversary 10,000 Posts Name Dropper
    Your solicitor will send you through a bundle of documents once it's all finished, done and dusted. Apart from that, there's no piece of paper that you MUST have to prove anything.
  • Argghhh
    Argghhh Posts: 352 Forumite
    the bank will have the deeds since its their house until you pay the mortgage off
  • davidmcn
    davidmcn Posts: 23,596 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    Argghhh wrote: »
    the bank will have the deeds

    What deeds? The title is registered at the land registry. I would expect the OP to get confirmation from their solicitor when registration has been completed, irrespective of whether they have a mortgage, and even if they don't they can get a copy themselves.
    since its their house until you pay the mortgage off

    No, it isn't their house. It's the OP's house. The bank merely has a charge over it.
  • AdrianC
    AdrianC Posts: 42,189 Forumite
    Eighth Anniversary 10,000 Posts Name Dropper
    Argghhh wrote: »
    the bank will have the deeds since its their house until you pay the mortgage off
    Seriously? I've seen some off-whack advice on here, but...
  • bobobski
    bobobski Posts: 771 Forumite
    Seventh Anniversary 500 Posts Name Dropper Chutzpah Haggler
    AdrianC wrote: »
    Seriously? I've seen some off-whack advice on here, but...

    If my legal history serves me right, this was correct a long, long time ago. That is how mortgages in general work, but mortgages over real estate are the exception.

    So quirky and incorrect advice indeed, but not completely doolally.
  • westv
    westv Posts: 6,445 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    The lender might have kept the deeds 20 years ago but not anymore.
  • Transatlantic
    Transatlantic Posts: 10 Forumite
    In general, how long after completion does the solicitor send out the documents? And should I expect a copy of the land registration? or is that something that I need to request/pay extra for?
  • newlywed
    newlywed Posts: 8,255 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    Usually the solicitors will send you a copy of the completion of registration certificate once it has been sent by the Land Registry but your solicitor won't have that yet. Delays at the Land Registry means it can take a few months for the Land Reg to deal with the registration.
    working on clearing the clutterDo I want the stuff or the space?
  • bobobski
    bobobski Posts: 771 Forumite
    Seventh Anniversary 500 Posts Name Dropper Chutzpah Haggler
    I spoke to the Land Registry this week - apparently they're still working through February/March applications. No news isn't bad news with them - just forget about it for now and diarise a "check in" with your solicitor in about 3 months.
  • Argghhh
    Argghhh Posts: 352 Forumite
    AdrianC wrote: »
    Seriously? I've seen some off-whack advice on here, but...

    The bank has my deeds for my house so hardly off whack, so lose your attitude since a lot of your responses on here in the past have been proven far worse than mine has. Having not sold a house for 14 years i didnt know it had changed
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