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Thomas, Lawyer
Category: UK Property Law
Satisfied Customers: 7609
Experience:  BA (Hons), PgDip, Practising Solicitor
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I got my mortgage over 15 years in 2002, originally it was

Resolved Question:

I got my mortgage over 15 years in 2002, originally it was for 80,000, because I have paid lump sums at my mortgage at various times i only have approx 9,000 left to pay. I am in a position to clear the balance later this year, would this be a good idea? or would it be best to keep a small mortgage and let my mortgage company look after the deeds
Submitted: 6 years ago.
Category: UK Property Law
Expert:  Thomas replied 6 years ago.


Thanks for your question.

I'm a little unclear what you actually asking. As solicitors are restricted in terms of giving advice on financial products.

Are you asking whether it would be prudent to retain a nominal mortgage purely for the reason that your lender shall look after the deeds to the property safely?

Kind regards.


Customer: replied 6 years ago.
Yes, thats correct
Expert:  Thomas replied 6 years ago.



Thanks for your reply.


If your property is registered then you do not need to worry about the safekeeping of your deeds. It will almost certainly be registered if you bought it or remortgaged 15 years ago because registration was compulsory for these types of dealings with a property.


When a property is registered it generates a title number and a register at the Land Registry. These are now what used to be called "Deeds" and are your evidence of title in the same way deeds were historically.


You can download a copy of the register for your property from the land registry's search engine:-

Enter the postcode for your property and if it is registered it will give you the option to download a copy of the register.


If your property is registered then the "deeds" for the property have been destroyed following registration, as is mandatory and this is your evidence of title to show you own the property.



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