Immediate Matrix: Simple-To-Use &...
Arts & Literature0 min ago
My Mother-in-Law has recently accidentally thrown away her house deeds!
Does anyone know what she must do? Do we visit a solicitor, or the local council, or the building society? She has no mortgage on the property. Please help as she is really upset!
Thanks in anticipation, blobby02uk
No best answer has yet been selected by blobby02uk. Once a best answer has been selected, it will be shown here.
For more on marking an answer as the "Best Answer", please visit our FAQ.We went through the process recently of verifying this for my mother-in-law who was also very concerned (her mortgage was paid up but she had no deeds to prove it).
Searching for information on deeds I found that the deeds have no legal value anymore. You need to contact the building society or local council and explain that you need a copy of the registration with the Land Registry. That's all you actually need. The reason the deeds no longer have any intrinsic value is that (as I understand it) all the important information in them was transferred to electronic form (i.e., the details are now stored on computer).
If there's any change in ownership, the Land Registry has to be informed so that the entry in the Register can be updated.
I hope this helps, as I know it can be worrying if the deeds have been accidentally lost/destroyed. But speak to the mortgage lender and verify what I've said - I think you'll find that it's right and that you only need a copy of the registration for the property.
http://www.landregisteronline.gov.uk/lro/index.html
Thank you so much everyone for replying! I have managed to find her house is registered at the above site, so I guess she will be fine! I will pay the �2 or whatever, so she will have a copy of some sorts.
Having said that, on searching for my fathers address, it doesn't seem to be registered, so that's another problem, eh??!!
blobby02uk xxxx