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.

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