What Are Title Deeds – And Why Do They Matter?

When it comes to property ownership, few documents are as important as your title deeds. Whether you’re buying, selling, or transferring a property, these records are key.

Here’s what you need to know:

• What they are:

  
  

  Title deeds are a bundle of documents showing the history of ownership, including mortgages, leases, wills, and contracts.

• Why they matter:

  
  

  They prove legal ownership and are essential for transactions like selling a property or securing a mortgage.

• Where to find them:

  
  

  If you’re looking for your deeds, they could be with the solicitor who handled your purchase or held by your mortgage lender.

• Modern records:

  
  

  Most properties are now digitally registered with HM Land Registry, meaning paper deeds may no longer be needed.

• Getting copies:

  
  

  You can request digital copies of your deeds directly from the Land Registry if needed.

Takeaway:

Even if your property is digitally registered, understanding and accessing your title deeds can be crucial – especially during an auction sale or purchase.