Deeds To Our Flat?

[berniecuddles]

Hi all need some advice please
my mother received a letter last week from the Nationwide building society saying that the mortgage account which has £25 in it which was left in there so that they could keep the deeds to the flat that i and mum and dad bought 20years ago is being closed.
today my mum has received all the stuff including the deeds to our flat(where my mum lives) i need to know what i should do with the deeds,do we keep them in a safe place or take them to the solicitors which has my mums will?
not sure what to do

[black_cat51]

yes you could do that if you don't have an at-home safe.
Although most properties are registered at the land registry, with no need for the paper deeds, you need to check yours is before merrily shoving t hem in a drawer

[murraymints]

Keep in fire box or give to solicitor for safekeeping...my solicitor has mine !

[woofgang]

murray is your house not registered on the land registry site?

[sandyRoe]

Your bank would keep them in their strongroom for you. There's a charge, I can't remember exactly how much, but it's not a lot.

[tamborine]

If you can hold them, keep them in your bank. Mum could so same but access to her account might be difficult when necessary.

[humbersloop]

bernie, if your mum's solicitors will settle her affairs, it may be more straightforward to keep as much in one place as you can

[tamborine]

I keep photo copies at home (for council admin etc). HSBC store for free.

[berniecuddles]

thx all will see mum soon probably go to solicitors

[237SJ]

My Dad`s solicitor had the deeds of our house and when they moved offices they lost them. All they claimed to have was a copy of the conveyance. Many years later when my Dad died and we needed to sell the house they mysteriously reappeared but in order for my Mum to sell, the house had to be registered on the Land Registry at our expense. So if it was me, I would just register the property and not worry about the deeds.

[murraymints]

Woof...Yes it is ...all property is required now as registration of title dictates, but there is still a paper copy , solicitor has original , I have a photocopy for reference...

[Peter Pedant]

All property is now registered at the Land Registry ( 2002 Land Registration Act I think ) - so make of that and then keep them safe in the house.

Why pay ?

Use this opportunity to make sure your mother's will is up to date.

[Jeza]

Our deeds are in a wall safe. How do I know if it is registered at the land registry or are all properties registered there.

[Buenchico]

>>>How do I know if it is registered at the land registry or are all properties registered there

If it's changed ownership since 1990, then 'yes'. If it hasn't, then 'possibly':
http://www.landregistry.gov.uk/public/faqs/is-all-land-registered

Title registers to land (including the properties thereon) are publicly available for a fee of £3. If you enter your house number (or name), together with your postcode, here and you're offered the opportunity to buy the title register (and title plan) then your property is definitely on the register:
http://www.landregistry.gov.uk/public/property-ownership
(You don't have to buy them!)

[Jeza]

Thanks Chris I will check it out.

[woofgang]

Murray the paper copy is only worth having for interest's sake provided that the property is registered at the land registry and the details are correct.