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Where do I keep my house deeds?

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louiserace
louiserace Posts: 6 Forumite
First Anniversary Combo Breaker
in House buying, renting & selling
I have recently finished paying off my mortgage and the bank are going to send me my deeds.

Where should I be keeping them safe?
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Comments

  • Rambosmum
    Rambosmum Posts: 2,445 Forumite
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    Ours are in the box file with our passports and drivers licences. We still have a mortgage (have changed providers 3 times actually) and they won't keep them and our solicitor also refused to keep them.
  • bouicca21
    bouicca21 Posts: 6,529 Forumite
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    My mum kept them in a fireproof box.

    But is the property not registered with the land registry?
  • always_sunny
    always_sunny Posts: 8,314 Forumite
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    Rambosmum wrote: »
    Ours are in the box file with our passports and drivers licences. We still have a mortgage (have changed providers 3 times actually) and they won't keep them and our solicitor also refused to keep them.

    Isn't electronic?
    EU expat working in London
  • AdrianC
    AdrianC Posts: 42,189 Forumite
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    It's very unlikely that a mortgage taken out in the early '90s (and, presumably, a purchase at the same time?) wouldn't have triggered a registration with the Land Registry.

    If the property's registered, then the deeds are no more than a nice-to-have historical footnote in the property's history file. Your record of ownership is the LR registration.
  • davidmcn
    davidmcn Posts: 23,596 Forumite
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    Wait until you find out what "the deeds" actually comprise. They may be worthless.
  • Rambosmum
    Rambosmum Posts: 2,445 Forumite
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    always_sunny wrote: »
    Isn't electronic?

    No. Big wodge of papers.
  • AdrianC
    AdrianC Posts: 42,189 Forumite
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    Rambosmum wrote: »
    No. Big wodge of papers.
    Sure, but are they a big wodge of meaningful papers, or is the actual record of your ownership electronic?

    When did ownership of the property last change, and when did you last take out a mortgage against it?
  • agrinnall
    agrinnall Posts: 23,344 Forumite
    First Post Combo Breaker
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    These days deeds are generally just of minor historical interest. I've had the paperwork for my last two properties even though they were both registered online, for the one I sold I passed them on to the new owners in case they want to look at who sold the house to who in what years.
  • Rambosmum
    Rambosmum Posts: 2,445 Forumite
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    AdrianC wrote: »
    Sure, but are they a big wodge of meaningful papers, or is the actual record of your ownership electronic?

    When did ownership of the property last change, and when did you last take out a mortgage against it?

    Yes, it probably is but that isn't what always_sunny asked and isn't what the OP asked.

    I keep the papers because I like having them, and I don't keep them in a fire proof box as I doubt they have any actual value/ importance beyond social history interest.
  • davidmcn
    davidmcn Posts: 23,596 Forumite
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    "The deeds" aren't necessarily just about ownership, they will often include statutory consents, guarantees etc, which can be useful to keep (but I wouldn't be paranoid about it as generally copies can be obtained if yours go astray).
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