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What are house title deeds?

Dec 19, 2024
Title deeds are vital in the journey to homeownership. They are legal documents showing who has owned the land and property since it was registered. They also record mortgages, lease information, contracts, wills and conveyancing. 
 
You must register a house whether you’ve bought or inherited it, received it in exchange for another property or taken out a mortgage to secure it. Read on to learn more about title deeds. 
 

Who holds the title deeds?

Your solicitor typically holds the title deeds and provides you with a ‘registered title’ copy within a month of completion. If you took out a mortgage to buy your home, your mortgage provider will also have a copy.
 

What information do title deeds include?

Title deeds include the following information:
 
• Details of property ownership, including the registered owner’s name and address
• A summary of the property
• Any restrictions affecting the property
• Maintenance responsibilities
• Date of purchase and price paid
• Registered mortgages and charges, including the lender’s name and address
• Reference to previous transfers
• The title number
• Information about the property’s tenure, whether freehold or leasehold
 

When do I need title deeds?

Title deeds are essential when buying and selling a property. They are also important if the homeowner passes away and leaves instructions about the property in their will. 
 

Where can I find my title deeds?

Title deeds are stored electronically on the HM Land Registry website. You can find them using the ‘Search for land and property information’ function. This allows you to download a summary of your property, title plan and title register. 
 
The Land Registry will charge you a small fee, depending on the transaction type.
 

Can I make changes to my title deeds?

Yes, you can make changes to your title deeds. These include:
 
• Change of name – by filling in an AP1 form
• Change of gender – by filling in a CNG form
• Removing your mortgage lender – by filling in an AP1 form
• Adding or removing someone else – by online application
 
You’ll need to pay a small fee and provide proof of identity, as well as getting your solicitor to sign the application form. 
 

Do I need title deeds to sell my house?

If your property is registered with the Land Registry, you don’t need the deeds to confirm the sale. However, it’s always best to have a copy on hand throughout the process in case you need to provide additional information.
 

What happens if I lose my title deeds?

Your house title deeds are stored online, so it’s unlikely that you’ll lose them. However, if the property was unregistered before you bought it and you have a copy, it’s your responsibility to keep it safe. 
 
If you can’t find them, you can ask your solicitor to contact the Land Registry. 
 
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