Where do you keep the deeds to your house?

[Fireinthegrate]

I know that while you have a mortgage the deeds are held and stored by the lender, but once you’ve paid off your mortgage you take possession of your deeds yourself. Just wondering where people keep them as we will be getting ours very soon (hooray!)

We've got a filing cabinet for all the important documents - the deeds are in there. Congratulations on getting yours soon !

Unless you’re buying an unregistered property (rare these days), the digital record at the Land registry counts as your deeds

With our solicitor.

In a box file in our house. The bank returned the deeds when their policy on holding them changed - they don't hold them any more.

Leave £1 on your mortgage!

In a fireproof safe along with other important documents.

It is safer to leave them in the bank or with your solicitor as they will have a fireproof safe to keep them in. If you have no choice but to take them home I would invest in a small home safe. If anything happens to them ie they get lost or burnt it is a long expensive process to replace them especially if they are registry of Dees and not land registry deeds. Btw I am in Ireland but I think the process is similar in the UK.

Unless you’re buying an unregistered property (rare these days), the digital record at the Land registry counts as your deeds

This. I’d just keep it with your other documents at home. I’ve not done conveyancing for many years but even when I did there were some lenders who weren’t even keeping the land certificates for land registered titles any more

If they are not LR and are actual title deeds I’d store them with a solicitor in their safe.

@LadyGAgain

Leave £1 on your mortgage!

So the bank keep storing them? How would you even do that?

Why leave £1 on your mortgage?

Ours isnt paid off but pretty sure we have ours. I thought that was how it worked now do there isnt stacks if paperwork somewhere.

We are nowhere near getting our deeds - congrats! My parents have done as a PP suggested and left £1 on their mortgage so the bank keeps hold of the deeds for them.

Leave £1 on your mortgage
... and keep accruing interest. Why on earth would you want to do that????

Why would you bother letting the bank store your deeds it's not hard to just file them?

Your title deeds prove you own the house so you don’t want to risk getting them damaged. Ours are with our solicitor, who also registered them with the land registry ( bank advises you to do that )

Get the property registered, particularly as it’s no longer 1920.

In a lockable fireproof floodproof box

I don't have any paper deeds for my house.

Our solicitor sent the deeds to our bank when we bought our house.

In a filing drawer. The bank don’t keep them anymore. Ours don’t anyway.

Somewhere amongst all the paperwork chucked in the spare room

Framed on the wall ! They are ancient ones from years ago we don't have modern ones It's all online now

If you are in England or Wales and your property is registered at the Land Registry (which it ought to be if you bought it in the last 30 years) the paper "deeds" are not important; it's all available electronically and when you come to sell, your solicitor will get an up to date version of the register. They won't need your paper copy so it's not worth buying fireproof strongboxes or leaving £1 on the mortgage.

No idea. I think I've probably lost them.

In a fireproof safe in the solicitor's office along with my will!