Mortgage title deeds
Title deeds show who has owned land and property since it was registered. They also record any mortgages secured on the property. Title deeds can be used to legally prove ownership of a property or piece of land.
Where are my title deeds held?
Title deeds are held in different places, depending on whether the property is in England and Wales, Scotland, or Northern Ireland.
England and Wales
The title deeds for most properties are held electronically. If you’d like a copy of your deeds, you can do this by contacting the Land Registry.
If you bought your property before 1 November 1999, or if your property is not registered with the Land Registry, you may have paper title deeds instead.
If you don’t have your original title deeds, they may be stored with your mortgage provider. They could also be with the solicitor who acted for you when you purchased the property.
Scotland and Northern Ireland
You’ll have to check with the land registries of Scotland and Northern Ireland on their respective websites:
Do I need my original title deeds?
Original title deeds may contain information which isn’t registered but could prove helpful or interesting, for example:
- repair and maintenance obligations
- details on boundaries, and
- reference to names of historical/personal interest.
What information is on my title deeds?
Information on your title deeds may include:
- property ownership details, including the name and address of the registered owner or owners.
- a description of the property.
- restrictions affecting the property, such as restrictive covenants.
- maintenance responsibilities, often referred to and indicated on the title plan by coloured markings.
- date of purchase and price paid or value stated for properties sold after April 2000.
- information relating to rights of way and rights of drainage.
- registered mortgages and charges affecting the title, including the name and address of the lender, such as a bank or building society.
- often includes reference to previous transfers, agreements and conveyances with the dates and names of parties involved.
- the title number.
- what type of tenure the property has, for example, freehold or leasehold.
What happens to my title deeds when I pay off my mortgage?
England or Wales
If we hold your deeds, we'll send them to you once your mortgage has been fully paid off and closed.
If you have paper deeds, you’ll need to instruct your solicitor to remove the charge at the Land Register of Scotland. You will have to pay a fee for this.
Your paper deeds can be sent to your home address by recorded post, as long as we have written authority in the form of signatures from all parties on the mortgage.
If we don’t receive written authority, the title deeds will be sent to your local branch.
I'm a solicitor, how do I request title deeds?
Please visit our Information for Lawyers page, where there’s information on how to request them.