When we purchased in 2001 there was no issue with the conveyance, when ownership was transferred to me as a sole owner there were no problems. I have all the deeds of the house from the various transfers on land, through to the transfer between one builder and another, to the first build, epitome of title and conveyance to the first owner of the property. I am the sole owner of my house and I am selling it to the person with whom I was once joint-owner 15 years ago. Another buyer may be quite happy to proceed with indemnity insurance but veyr much a choice for individual buyers and their solicitor. But whether the buyer accepts that or not is entirely up to them. If a copy can't be found then the indemnity option may be a way forward. If that is the case and we don't have a copy then the only options are to try the developer or check your own paperwork to see if you had a copy and you kept it. I'm guessing here, as you have not specified what is missing, that a copy of the Transfer between you and the developer is missing and this is the key document the buyers want to see. We then create the registered title whcih you and buyers would then rely on. When the new build was sold and then registered you will have submitted the evidence to support that purchase, namely proof that the seller owned it and that they had transferred it to you. Clearly whichever deed you are referring to is seen as also being important for your buyer but they/your solicitor will need to explain it for you. Liz - if the property is registered then that confirms the ownership. If your deeds have been lost or destroyed, it can make things more complicated, so I’d always recommend keeping them in a safe place. If your property isn’t on the register and you choose to apply for first registration, you'll need to submit the original deeds to us. It’s a good idea to keep the original deeds though, as they can hold extra information, about legal boundaries or who the previous owner was, for example. So, if your property is registered with us, you don’t need the deeds to confirm your ownership. Our Land Register is the definitive record of land and property ownership in England and Wales. If the register refers to deeds being filed, we should have copies. If you want to see a scanned copy of the deeds that we have on file, start by searching our property information and finding your property’s title number. Tracing the original deeds for a property that has been bought and sold many times is likely to be an impossible task. There’s no requirement for them to do so. If the property was already registered when you bought it, the seller may not have handed over the original deeds. 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. This is usually the solicitor or conveyancer acting on behalf of the buyer. We create scanned copies of some deeds and then return all the original title deeds to whoever lodged them. Generally, we only have the original title deeds when land or property is registered for the first time, as we need them to prepare the register. HM Land Registry records are digital, so we don’t store paper title deeds. Title deeds are paper documents showing the chain of ownership for land and property. So, what are title deeds, where are they kept, and do you need them? What are title deeds? They are often disappointed to learn that we don’t have their original title deeds, stored in a library of dusty ledgers! I think some of our customers may have a similarly false impression though. I was happy to discover that HM Land Registry is actually very forward-looking and is using digital technology to transform how land registration works. Before I worked here, I wondered if HM Land Registry was full of clerical staff pushing piles of paperwork around, like a scene from Terry Gilliam’s ‘Brazil’.
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