Thanks for your question.
To enable me to answer your question could you please respond to the following:-
The Deeds, in my and my wifes name, are in the bank held against a mortgage, long since repaid.
We have now moved our bank account and need to remove the Deeds. The new bank are not interested in safe custody without a mortgage so I need to get registered for peace and security.
Comments and advice welcome.
Thanks for your reply.
In order to get a registered Title Absolute for freehold (ie. What 90% of freehold houses have) you will have to execute the Land Registry's FR1 from and send it to your local Land Registry Branch with the epitome of title.
The Epitome of title is a list of historic documents relating to your property and when it has been previously sold and bought. It traces the chain of ownership over the decades so that the LR can verify that they title to the property is yours and that you are entitled to have it registered in your names.
The are quite tricky to put together because the deeds are usually quite archaic in form and often haphazardly organised. A solicitor would be able to work it out in a very quick time. It would take you a lot longer. A solicitor would do this for you and prepare the application to the LR for less than £300+ Vat I would think.
Get the deeds from your Lender, then take them to a local property solicitor or convyancer and ask them how much they charged for first registration of title like this,
If this has been useful please kindly click accept so that I may be rewarded for my time. If you do not click accept your money stays with the site and I do not receive any credit for the time I have taken to answer your question.
I will answer your follow up questions you may have.
DISCLAIMER: Answers from Experts on JustAnswer are not substitutes for the advice of an attorney. JustAnswer is a public forum and questions and responses are not private or confidential or protected by the attorney-client privilege. The Expert above is not your attorney, and the response above is not legal advice. You should not read this response to propose specific action or address specific circumstances, but only to give you a sense of general principles of law that might affect the situation you describe. Application of these general principles to particular circumstances must be done by a lawyer who has spoken with you in confidence, learned all relevant information, and explored various options. Before acting on these general principles, you should hire a lawyer licensed to practice law in the jurisdiction to which your question pertains.
The responses above are from individual Experts, not JustAnswer. The site and services are provided “as is”. To view the verified credential of an Expert, click on the “Verified” symbol in the Expert’s profile. This site is not for emergency questions which should be directed immediately by telephone or in-person to qualified professionals. Please carefully read the Terms of Service (last updated February 8, 2012).