The details of your ownership will have been recorded by the Land Registry in their register, under a specific title number. An Official Copy of the register is the equivalent of a ‘title deed’ and so it will not matter if you lose this, a further copy can always be obtained from Land Registry, again for a small fee.
What do you do if you lose your property documents?
The first step is to visit the nearest police station and file a first information report (FIR). The FIR needs to mention that the papers are lost. A copy of the FIR should be taken by the owner and preserved for future reference.
What do I do if I lost my title deed?
Regulation 68(1) allows for an owner to apply to the Registrar of Deeds for the issue of a certified copy of his lost Title Deed. The application takes the form of an affidavit signed in front of a Commissioner of Oaths.
What if Mother deed is lost?
If the mother document is destroyed, lost or misplaced, the normal procedure is to file a complaint at the jurisdictional Police Station, issue a public notice in atleast two registered newspapers, of which one is in local language and ofcourse, obtain a certified copy [CC] along with No Encumbrance Certificate [EC} …
Can you sell a house without the deeds?
It’s possible to sell or remortgage a house without the deeds, but you must prove you own the property to do so. If deeds have been lost or destroyed, the first port of call is to check whether the property is registered with the Land Registry.
Who keeps the deeds to your house?
mortgage lender
The title deeds to a property with a mortgage are usually kept by the mortgage lender. They will only be given to you once the mortgage has been paid in full. But, you can request copies of the deeds at any time.
Can you sell a property without the deeds?
Can I sell my house if I have lost my deeds?
A: No, as the grant of probate doesn’t prove that your mother owned the property. If the property is registered, you needn’t worry about the lost house deeds as the Land Registry will hold official copies of all the documents that you would require to sell the property.
Can I sell a house without title deeds?
Who holds original title deeds?
This is usually the solicitor or conveyancer acting on behalf of the buyer. So, if you’re trying to track down your original deeds, they could be with the solicitor who acted for you when you bought the property, or possibly with your mortgage company if you have a mortgage.
What happens if I Lose my title deed?
Should you later find the original Title Deed that was lost, from the moment the Deeds Office issued a certified copy to replace it, that original is no longer a legally valid document and cannot be used again. It is important to note that only the owner of the property can apply for the issue of a certified copy.
What happens if you don’t record a deed?
An owner legally transfers his property to another person on an instrument known as a deed. At the time of transfer, the owner usually records the deed by filing it in the land records of the property’s county but it is not required for it to legally transfer title to the new owner.
What do you need to replace a lost property deed?
A property deed consists of three important documents. They are title plan, property register and the registered documents. You can apply for the documents that you need and get them in a day. What is more, you can now request for replacement of lost property deed online as well.
Can a wrong lot number lead to a defective deed?
With a property conveyed for purchase, it is with little difficulty that a deed may sustain a mistake in the description in the documentation. This issue creates a defective deed and will impact the chain of title negatively. A wrong call in the metes and bounds or a lot number mistake could lead to problems.
