What are title deeds?
Title deeds are official paper documents that show the chain of ownership of a property or land. They can include mortgages, leases, contracts for sale, wills and conveyances.
Digital copies of the originals are registered with HM Land Registry before being returned to the person who lodged them. This is usually the solicitor or conveyancer acting on behalf of a buyer.
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What if you don't have yours?
If you’re a buyer who never received your title deeds then you should contact whoever acted on your behalf and get them returned to you. In some cases, the people who sold the property to you may still have the deeds. There’s no legal requirement for a seller to hand over deeds, however most solicitors or conveyancers, acting on a buyer’s behalf, will get these for you as part of their service.
If you contact HM Land Registry then they can let you know whether your property is registered with them or not. If it is then you don’t need paper copies of the deeds. If it isn’t registered then you will need to submit the original deeds in order to get your property registered on their systems. This is why, if you have the originals, they are particularly important. They are also good to have, as a property owner, because they include things that won’t be kept digitally by HM Land Registry, such as previous owners or legal boundaries.
What if you're selling?
In order to sell your property, you must either have the original deeds or know that they have been digitally registered with HM Land Registry in your name. Things become more complicated if you’re selling an unregistered property, especially if you are selling it on behalf of someone else i.e. a relative.
How we can help
Here at The Property Buying Company, we have over 50 years' combined experience within the property market. Our advisors are on-hand to answer any queries you may have about selling your property and what documentation you need to provide. If you want to sell your property quickly then we can offer a fair cash sum and a completion date to suit you. Get in touch today to find out more.