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House Deeds
akkers
Posts: 281 Forumite
I have transferred my mortgage to a new bank recently. The old provider have sent me a big pack through the post which contains historical documents that go back 100 yrs (charges, maps etc).
I guess I am now responsible for these docs. But are they valuable? What is their purpose and what are the consequences if I lose them?
I guess I am now responsible for these docs. But are they valuable? What is their purpose and what are the consequences if I lose them?
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Comments
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These are records of past conveyances and may contain details of covenants which remain important.
I would suggest scanning them for safety and keeping the originals safe.
Your property will be registered at the land registry, so these documents are no longer your evidence of ownership and don't have the same value as previously.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 -
As kingstreet posts as the property is registered the proof of ownership is held by us electronically. The paper deeds are no longer a proof of ownership but can be useful to have and we would always recommend hanging on to them
Our blog article offers a bit more detail“Official Company Representative
I am the official company representative of Land Registry. MSE has given permission for me to post in response to queries about the company, so that I can help solve issues. You can see my name on the companies with permission to post list. I am not allowed to tout for business at all. If you believe I am please report it to forumteam@moneysavingexpert.com This does NOT imply any form of approval of my company or its products by MSE"0 -
Thanks for the info folks.0
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