Can you check your house deeds cheaply?

little_princess

Hi,

Can anyone help me, I would like to look at my house deeds, but the bank that my mortgage is with, asks for a hefty charge before sending them out to you.

Does anyone know of a cheaper way of looking at your house deeds? :think:

Many thanks in advance

:hello:

terryw

little_princess wrote: »

Hi,

Can anyone help me, I would like to look at my house deeds, but the bank that my mortgage is with, asks for a hefty charge before sending them out to you.

Does anyone know of a cheaper way of looking at your house deeds? :think:

Many thanks in advance

:hello:

http://www.landregisteronline.gov.uk/

is the place for you

terryw

fascinated

Hi. Do you know if your title is registered? If you go to the Land Registry's website (just Google Land Registry and it should come up) you can check whether your house is registered just by typing in the house name or number and the postcode. You then have the option of purchasing a copy of the Register for £3.00. This will tell you everything you need to know.

If your property is not registered, the Bank ought to let you have a look at the deeds for free on an "inspection and return basis", i.e. you will only look at them and will return them immediately.

HTH.

Noz

Have you asked your lender how much the charge for a copy of the deeds?

terryw

Noz wrote: »

Have you asked your lender how much the charge for a copy of the deeds?

There is not really any point in doing this. The majority of land is registered with the Land Registry and all transfers etc are done electronically as all information is held by the LR. The "deeds" are only of curiosity or historical interest.


terryw

Noz

terryw wrote: »

There is not really any point in doing this. The majority of land is registered with the Land Registry and all transfers etc are done electronically as all information is held by the LR. The "deeds" are only of curiosity or historical interest.


terryw

However the LR does not contain all information that the 'paper' deeds hold. So it depends on the need to view the deeds as to whether there is a point or not.

terryw

Noz wrote: »

However the LR does not contain all information that the 'paper' deeds hold. So it depends on the need to view the deeds as to whether there is a point or not.

What information would be in the "deeds" that is not at the Land Registry?

terryw

little_princess

Hi everyone thanks for your replies
:beer:

I want to look at deeds as I believe there was a restriction on there when we bought the house as to what we could do with the boundary hedges. As we have just added a driveway to the house I would like to change these, but cannot remember the full details of the restriction (it was a new housing estate under 10 years old when we bought the house).

Does anyone know if the land registry would hold these or would I have to ask the bank for an "inspection and return "

Noz

terryw wrote: »

What information would be in the "deeds" that is not at the Land Registry?

terryw

I'll just quote for time-saving purposes:
"Tim Thompson, a partner at solicitor Hegarty & Co, says: 'Now deeds are not generally needed, building societies and banks are sending them back to homeowners.
'But this could cause terrible problems in the future if the homeowner loses them as the information held by the Land Registry will not give all the information needed when the property is sold. It will not give details of rights of way or whether planning permission was given for building works. Gathering this kind of information from a local authority before a sale will add to the cost of the sale and cause delays."

It really comes down to what you need to know.

terryw

little_princess wrote: »

Hi everyone thanks for your replies
:beer:

I want to look at deeds as I believe there was a restriction on there when we bought the house as to what we could do with the boundary hedges. As we have just added a driveway to the house I would like to change these, but cannot remember the full details of the restriction (it was a new housing estate under 10 years old when we bought the house).

Does anyone know if the land registry would hold these or would I have to ask the bank for an "inspection and return "

It's only a few quid for the LR stuff. Pay this and I am sure that your query will be answered. If not then worry about getting info from the lender.

terryw .

itsnever2lateisit?

little_princess wrote: »

Hi everyone thanks for your replies
:beer:

I want to look at deeds as I believe there was a restriction on there when we bought the house as to what we could do with the boundary hedges. As we have just added a driveway to the house I would like to change these, but cannot remember the full details of the restriction (it was a new housing estate under 10 years old when we bought the house).

Does anyone know if the land registry would hold these or would I have to ask the bank for an "inspection and return "

These restrictions or Covenants are usually placed by the developer to 'protect' the site from developements they dont want while the site is still under construction, and the remaining properties sold. The only people likely to cause you problems are your neighbours, the developer lost interest years ago. I suggest you talk to your neighbours and sound them out regarding your plans