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House or title deeds are very important legal documents that need to be stored somewhere safe. You can keep your title deeds at home if you take some precautions, such as using a suitable safe.
If the deeds went missing or were destroyed while in the custody of a law firm or financial institution then, if satisfied with the evidence, the Land Registry will register the property with an absolute title. If not, then it is usually the case that the property will be registered with a possessor title.
Generally, we only have the original title deeds when land or property is registered for the first time, as we need them to prepare the register. If the property was already registered when you bought it, the seller may not have handed over the original deeds. There's no requirement for them to do so.
Lost or destroyed titles If you lose your paper Certificate of Title, or it is destroyed, you can apply for a replacement. You may require the services of a lawyer or licensed conveyance to prepare the application. Detailed evidence and appropriate supporting documents are required.
The deeds will only be returned to the owner once the mortgage on the property has been fully paid, although photocopies of the deeds can be requested at any time. If no mortgage is held on a property then the title deeds will be kept by the owner. They can either be kept in the home or they can be held by a solicitor.
The deeds will only be returned to the owner once the mortgage on the property has been fully paid, although photocopies of the deeds can be requested at any time. If no mortgage is held on a property then the title deeds will be kept by the owner. They can either be kept in the home or they can be held by a solicitor.
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