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What to do with House Deeds When Your Mortgage is Paid Off

Updated: Sep 17, 2023


 
A house with a tree

If you have recently paid off your mortgage, congratulations! This is a significant milestone, and you may be wondering what to do with your house deeds. House deeds are an important legal document that proves ownership of your property. Therefore, it is essential to keep them safe and secure even after you have paid off your mortgage.



Why Keeping House Deeds Safe is Important


Keeping your house deeds safe is important because they are proof of ownership. In case you need to sell or remortgage your property in the future, you will need to produce these documents. If your house deeds are lost or damaged, it can be a time-consuming and costly process to get them replaced. Therefore, it's important to keep your house deeds safe and easily accessible.



How to Store Your House Deeds Securely


  • There are different ways you can store your house deeds securely, including: Keep them at home: You can store your house deeds in a secure location in your home, such as a safe or a lockable cabinet.

  • Use a solicitor: You can entrust your house deeds to a solicitor who will keep them safe for you. They will provide you with a receipt and give you access to your documents when you need them.

  • Use a bank: You can store your house deeds in a safety deposit box at a bank. This is a secure and convenient way to store your documents.



What to Do if You Lose Your House Deeds


If you lose your house deeds, you will need to get them replaced. You can do this by contacting the Land Registry and requesting a copy of the title deeds. This can be a time-consuming and expensive process, so it's essential to keep your house deeds safe.



Benefits of Keeping Your House Deeds Safe


Keeping your house deeds safe has several benefits, including:


  • Easy access: You can access your house deeds quickly and easily when you need them.

  • Proof of ownership: Your house deeds are proof of ownership, which can be important when selling or remortgaging your property.

  • Cost-effective: Keeping your house deeds safe can save you money in the long run. If you lose your documents, it can be expensive to replace them.


In conclusion, keeping your house deeds safe and secure is essential even after you have paid off your mortgage. It is important to store them in a secure location, such as a safe or a lockable cabinet, or entrust them to a solicitor or a bank. By doing so, you can ensure easy access to your house deeds when you need them and avoid the time and expense of replacing lost or damaged documents.


If you want to check property ownership, at Land Registry Online, we offer a Title Register and Title Plan service that allows you to easily obtain this information. Simply select the desired documents, complete your details, and you will receive your documents by email within a few hours.



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