30-10-2008, 15:14
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#1
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Has been.
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House Deeds
My bank, RBS doesnt keep house deeds anymore, can anyone advise me if there is a safe place to keep them? Other banks etc.
(Not under the bed)
Ta
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30-10-2008, 15:28
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#2
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Cable Forum Team
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Re: House Deeds
Moved to 'Lifestyle'.
Presumably this is because you've paid off the mortgage? Your mortgage lender, if you have one, would normally keep the deeds.
I expect you could ask your solicitor about safe storage of documents of that sort.
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30-10-2008, 15:43
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#3
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Dare to Say No!
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Re: House Deeds
these guys looks like you have to call for a quote though.
seems to have been discussed here as well.
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30-10-2008, 15:44
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#4
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Re: House Deeds
My building society keeps them if you leave £1 outstanding on the mortgage.
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30-10-2008, 16:27
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#5
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Re: House Deeds
Quote:
Originally Posted by AndyCambs
My building society keeps them if you leave £1 outstanding on the mortgage.
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I understand the majority stopped that service a few years ago, there may still be some that do it.
The building society now only keep the latest deeds anyway, I got all the deeds going back to the early 1800's for my land.
I understand solicitors offer a service to keep deeds, and they are making a good amount out of it.
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30-10-2008, 16:51
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#6
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Re: House Deeds
Abbey Nat still have my deeds for a nominal sum per month.  They were my mortgage provider however.
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30-10-2008, 17:07
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#7
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Re: House Deeds
Its difficult to find somewhere to store deeds, apparently there is limited space available. The best bet it seems is to continue with the provider for a nominal sum.
TSB do a safe deposit box for £25.00 per year, but I have decided to go for a hidden fire proof safe that can store other important docs too.
Thanks.
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30-10-2008, 17:16
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#8
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Re: House Deeds
Quote:
Originally Posted by Maggy J
Abbey Nat still have my deeds for a nominal sum per month. They were my mortgage provider however. |
Out of interest how long ago did the mortgage end?
My parents are/were with Abbey National and mentioned the mortgage was ending. I'm sure they said they could not leave £1 to pay as they did with their previous house.
It has become a problem for a lot of people.
Sorry just realised the nominal sum, previously it was a matter of leaving £1 outstanding.
---------- Post added at 17:16 ---------- Previous post was at 17:14 ----------
Quote:
Originally Posted by SMG
Its difficult to find somewhere to store deeds, apparently there is limited space available. The best bet it seems is to continue with the provider for a nominal sum.
TSB do a safe deposit box for £25.00 per year, but I have decided to go for a hidden fire proof safe that can store other important docs too.
Thanks. |
Where are you thinking of putting it. 
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Jeremy Taylor 'I am a Liberal man'
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30-10-2008, 17:16
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#9
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Re: House Deeds
Quote:
Originally Posted by escapee
out of interest how long ago did the mortgage end?
My parents are/were with abbey national and mentioned the mortgage was ending. I'm sure they said they could not leave £1 to pay as they did with their previous house.
It has become a problem for a lot of people.
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2002.
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30-10-2008, 17:25
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#10
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Re: House Deeds
Quote:
Originally Posted by Maggy J
2002. |
It may be different now then, there mortgage was very low but finished sometime this year.
Theres is probably under the bed. 
As they have not spoken to me for 2 months I'm not sure though. 
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Jeremy Taylor 'I am a Liberal man'
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30-10-2008, 19:46
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#12
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Re: House Deeds
I think my parents' house deed are with the Nationwide, and they leave £1 in the mortgage account so nationwide hold onto them.
Dedds for my house are with the solicitor we used to buy the house, no ongoing fee.
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30-10-2008, 20:37
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#13
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Re: House Deeds
Quote:
Originally Posted by AndyCambs
My building society keeps them if you leave £1 outstanding on the mortgage.
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same here.
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30-10-2008, 20:40
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#14
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cf.member
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Re: House Deeds
If your property is registered at the Land Registry, which I assume it is, then there is no legal reason to keep deeds. If you buy a house now it is unlikely that you will get them. When I bought my house outright 2 years ago that is the advice that my solicitor gave me.
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30-10-2008, 21:23
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#15
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Re: House Deeds
Quote:
Originally Posted by joesnake
If your property is registered at the Land Registry, which I assume it is, then there is no legal reason to keep deeds. If you buy a house now it is unlikely that you will get them. When I bought my house outright 2 years ago that is the advice that my solicitor gave me.
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They are historic documents however and probably worth keeping for that reason alone especially for older property.
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