Covid 19 Status

In line with HM Government requirements to fight the spread of Covid-19 we have measures in place to ensure that we protect our staff, their families and the wider community, but also to ensure that there is minimal disruption to our customers.

Your access to online Multi Agency Credit Reports, Expert Help and Account Management remains unaffected. We take great pride in the support that we provide to our customers and throughout this period will do all we can to minimise the impact on our services. While the country remains in lockdown we will continue to support your queries via a dedicated and experienced team that will be securely working from home, and supported by a Management Team that will continue to be based at our head office and who will be able to provide customer support as required.

The security measures that we have in place to protect your Personal Data, in line with our Privacy Policy, will mean that some elements of our personalised support are affected during this period as our support team will be working with anonymised data when working remotely. Freephone access to our Credit Analysts has been removed during this period while we focus our efforts on continuing to reply to all of your emails and secure messages within one working day.

Thanks for your understanding, and we hope to have full customer support available as soon as possible and wish you well during these challenging times.

Title Deed

What is a Title Deed?

A Title Deed is a document that records the extent, nature, ownership and any interests in a property. A title deed will also set out any rights or obligations affecting the property. In England and Wales, this is usually a Land Certificate issued by HM Land Registry. If there is a mortgage outstanding, this converts to a Charge Certificate and is usually held by the mortgage company.

Since 2000 it is compulsory to register all properties mortgaged or transferred. In Scotland, the body concerned is the Registers of Scotland.

Q: How to get a title deed

A: Title deeds are issued when property is purchased for the first time and are only needed to register land and properties. So unless you’ve got a newly built house you may not have seen a title deed in relation to your property.

Q: I don’t have a deed - what do I do?

A: Unless you’ve got an immediate need for your deed, it shouldn’t be a problem if you don’t have the original copy to hand. They are often held by your mortgage lender as security so if you’re still paying off your mortgage there’s a good chance it’s with the mortgager. You can request a copy of the deed from the Land Registry if absolutely necessary.

Q: Why do I need one?

A: They are a proof of ownership for property and land, meaning if you need to solve a dispute over who owns what land, the deed can serve as evidence that is hard to dispute.

Jargon Buster

Use the links below and the resulting list of terms on the right to locate the term you are looking for. If you can't locate it, please get in touch.