Missing deeds from 58

[helpamummaout]

Sorry not really an AIBU but know I will get more answers here.
Currently going through the process of buying a new house, nearing the end ( I hope) our solicitor has been in touch saying there are some missing deeds for 1958, and offered us some insurance we can take out for this.
This is only the 2nd house we've bought so just looking for advice really. Thank you in advance

Anyone please 😊 x

Shouldn't the sellers be getting the indemnity? They're usually fairly cheap.

I can't imagine that you'll need the deeds from the 50s as long as you have some from more recently.

Good luck with the sale.

Thank you for replying.
Everything else is there. The sellers have refused to pay for the indemnity 🤷🏼‍♀️

Your solicitor should check with the Registry for Property Deeds and if after that search there are still Deeds missing it should be the seller who buy the Indemnity Insurance. If it was me I think I might also buy Indemnity Insurance especially if the property was one that I planned to live in for a few years and then move on.

The sellers have refused to pay though.
It is one we are planning to live in for a while. Thank you

Which deeds are missing? What happened in 1958?

And how much is the indemnity insurance?

And how much do you love the house?

Depends on the answers to the above how much I’d push for the sellers to pay the indemnity (if it’s serious they won’t be able to sell to anyone else without it) or just suck it up and deal with it myself.

I'm not sure she just said the deeds from 1958 are missing 🤷🏼‍♀️. I don't mind paying for the indemnity it's only about £150. We love the house and we're nearly at the end of the whole process I just don't want the missing deeds to be an issue for us further down the line

Ask them to spell out to you (in writing) what the impact is on not having them, what could the consequences? Does it mean that any land registers checks can’t be completed or anything can’t be evidenced in future?
I think it’s the sellers responsibility to have these to provide to you.

We’ve paid our mortgage off, we never received the deeds to the house but do have a copy of the land registry entry. That should suffice! The letter from the solicitor said he didn’t have them but the entry was adequate.

It depends what might be in those deeds - they could contain references to boundaries, covenants etc. Is the property registered at the Land Registry?
If it is, then although boundaries etc might not be precisely defined, at least it means you get guaranteed title. If it's not registered, then it's more of an issue. Ask your solicitor to spell out what the issues and consequences might be.

@Cloudyrainsham

We’ve paid our mortgage off, we never received the deeds to the house but do have a copy of the land registry entry. That should suffice! The letter from the solicitor said he didn’t have them but the entry was adequate.

Same, when we bought our house the title deeds were MIA and the previous owners had taken out an indemnity policy to insure against some Joe Bloggs popping up and saying "Oh this is MY house actually". But, at that point (in 2012) all deeds were going to be posted online on the Land Registry site so we didn't see the need for the cover, and didn't bother. Haven't had anyone claiming the house yet...

I'm surprised it's an issue in 2021 to be honest.

Seems like the deeds are regarding boundaries so I think it will be ok. Thank you for your replies