House Deeds

[langara]

We will have paid off our mortgage in December, wondering the best place to keep the deeds, i.e Building Society, Bank, or the safe in our house.
Thanks for any advice.

[VHG]

You no longer need to hold title deeds to prove you are the owner of your registered land or property, as we hold details of all registered land or property electronically.

Many mortgage companies now have a policy of not holding any deeds for registered land or property; they rely on our electronic records.

- See more at: http://www.landregistry.gov.uk/public/faqs/where-are-my-deeds-kept#sthash.ztPBDyyu.dpuf

[tamborine]

Land Registry Certificate is the valued paper that should be kept safely; in a bank imo. Jot down the LRCert number for easy access and reference. I list such info on a Word page & email to myself to file in a suitable email folder.

[Jennykenny]

You could give a copy to a member of you family in case your original went missing??

[woofgang]

Tambo in the UK, you can get another easily for 3 quid, an official copy accepted as evidence in a court of law is 7 quid. you don't even need the cert number, just house number/name and postcode. The 3 quid certs are downloadable so you can make a million copies if you want.

[Peter Pedant]

waste paper basket
ALTHOUGH

I have kept all mine

Most land is registered now under the 2002 Act.
There is a smaller and smaller proportion of inherited land coming onto the market for the first time.... that will be a new registration.

VHG is clearly ( covered with paper IN ) er working in the Land Registry

I have kept mine as it turned out that I had imperfect title to one of my let properties, and had bought it as a bankrupt sale from a convict. The Assets Recovery Agency got terribly excited by this and asked me to show I had not bought the property as a haven for droogz cash.

well I said.......

[Peter Pedant]

only 82 % of land currently registered a/c to todays papers
I would hang onto themr for a while

[bookbinder]

We keep ours in the house, in a file drawer in what we grandly call our 'computer room'. We did leave them with the building society for a while after we paid off the mortgage, but the BS charged us for keeping them, so we decided to keep the deeds at home. Making a copy and leaving that with someone trusted is a good idea, thought.

[boxtops]

When ours is paid off, we'll ask our solicitor to keep any documentation where he keeps our Wills.