UK Property Law
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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,
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