Insurance

Title Deeds

I have just attemped to put my house deeds for safe keeping at my Bank. Although ths is a chargeable service they informed me that the documents would not be insured. In the event of these deeds being lost or accidentally destroyed, can copies be obtained frrom he Land Registry?

Sir Richard Fri 02/05/08 14:47

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anniebird
Fri 02/05/08
14:58

If your property is registered then you no longer need the full deeds as they will give you a copy of their details for a small fee (about £3). This is accepted by all interested parties such as mortgage companies and banks. You may like to keep the deeds out of interest if it is an older property which may have historic value but otherwise you are wasting money paying the bank to hold them for you.

themas
Fri 02/05/08
16:26

Unless your house is a modern bog standard estate one, do not let the deeds disappear. They may be of value when you come to sell. The Land Registry records (although very good) are not 100% accurate - nothing in this life is - so the deeds could be important to sort out any queries, quite apart from any historical interest.

If you let the bank have them, keep a photocopy yourself. If you have a solicitor, they may hold them free of charge (assuming they also have your will).

BertiWooster
Sat 03/05/08
17:24

daleo2
Mon 12/05/08
10:52

If you lose your title deeds you can get them or any other property documents from: http://www.landsearch.net

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