How Long Should Bank Take to Return Deeds

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    How Long Should Bank Take to Return Deeds

    After a difficult 25 years, I finally managed to pay off my mortgage. I was one of the dumb ones with an interest only mortgage. I know I have a mid 1990s letter from the solicitor somewhere in the house, that says the deeds were sent to the bank. So they definitely have them. Is it a quick process to get them back? I've contacted them and they say they'll be in touch.

    #2
    Some time back Halifax BS charged me £100 to retrieve deeds on a paid off mortgage. I was never quite sure of the legality of that given there was no such agreement upfront. But they did it within a few days.

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      #3
      Since the Land Registry have been listing their property titles online for more than past 20 years, you should check if you are the title holder of your property by paying 3 pounds by credit card to download the information. The stack of papers called deeds may no longer be required .

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        #4
        Originally posted by jessa46 View Post
        After a difficult 25 years, I finally managed to pay off my mortgage. I was one of the dumb ones with an interest only mortgage. I know I have a mid 1990s letter from the solicitor somewhere in the house, that says the deeds were sent to the bank. So they definitely have them. Is it a quick process to get them back? I've contacted them and they say they'll be in touch.
        The only point in having "deeds" is if there is some historical significance (listed property maybe) otherwise you will be registered at the Land Registry and paper copy is irrelevant.

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