Mortgage title deeds

Scanned copies of most original title deeds are now held electronically at the Land Registry for your country. If you’d like a copy of your original title deeds you can request a copy from your Land Registry.

Original title deeds can still be useful as they may contain additional information which isn’t registered but could prove helpful in the future. For example, repair and maintenance obligations or other details on boundaries or reference to names of historical/personal interest – so please put them in a safe place.

The information held on title deeds includes:

• Property ownership details, including the name and address of the registered owner(s).
• A description of the property.
• Restrictions affecting the property, such as restrictive covenants.
• Maintenance responsibilities are often referred to and indicated on the Title Plan by coloured markings.
• Date of purchase and price paid/value stated for any property that has been sold since April 2000.
• Often includes 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 dates and names of parties involved.
• Title Number.
• Tenure, i.e. Freehold or Leasehold.

You can order an official copy of your title deeds from the Land Registry.

If you live in England or Wales the title deeds for most properties are held electronically at the Land Registry. However, if we hold your deeds we'll send them to you once your mortgage has been fully paid off and closed.

If you live in Scotland and you have paper deeds you’ll need to instruct your solicitor to remove the charge at the Land Registry of Scotland, for which a fee will be applicable.

If you live in Northern Ireland your paper deeds can be sent to your home address by recorded post, as long as we have written authority (signatures) by all parties on the mortgage. If we don’t receive written authority the title deeds will be sent to your local Branch.