Title Deeds Storage

EarWig

I'm guessing these are usually best left with solicitors.

Is there usually a charge? Would your regular solicitor just hold them for free?

cml387

I doubt they'd do it for free. Why should they? I invested in a fireproof safe and keep them at home.

EarWig

https://www.boards.ie/discussion/comment/118924757#Comment_118924757

I thought they might because there would be an assumption that you would use them for any future sale.

It would be awkward to have to ask your regular solicitor to send the deeds to another solicitor.

Roadtoad

Mine are in a friend's house. His are in mine.

Lose house, problem. Lose house and ticket, big problem.

Fazorb

Can anyone advise what the process would be if the deeds are unable to be located.

Have contacted both Solicitor and Bank but to no avail?

L1011

https://www.boards.ie/discussion/comment/118925968#Comment_118925968

Find a solicitor who knows what they're doing, first of all

If they are absolutely gone, you need the solicitors to reconstruct the title.

However - is the title registered? It was optional til stupidly recently in some places; but my house was registered on a sale in 1998 (When still optional in that area) and my shared holiday house was registered on a sale in 1977 (also optional). Deeds are basically irrelevant as a result. Other documents relating to the title might be expensive or difficult to replace though (planning and compliance docs etc)

EarWig

https://www.boards.ie/discussion/comment/118925968#Comment_118925968

You are just about to derail this thread.

EarWig

https://www.boards.ie/discussion/comment/118925940#Comment_118925940

Mortgage is with Ulster Bank, and just paid off, so they just posted everything to me.

Rosahane

https://www.boards.ie/discussion/comment/118925968#Comment_118925968

I think it depends if the deeds are registered or not. If registered it's not a big deal - you can get a copy. If not, you will have to take out an insurance policy to indemnify the next buyer in case of spurious ownership. If the house is in Dublin and an older property it's unlikely to be registered, elsewhere it's more likely to be registered.

A solicitor can do a search against the property to see if any loans have been taken out against it. If so the lender will have the deeds.

L1011

Ulster are leaving the market so certainly won't be offering to hold on to them.

Gregor Samsa

https://www.boards.ie/discussion/2058241160/title-deeds-storage

Last year, after my father died, we got a solicitor to transfer the house to myself and my brother (as per the will). Our solicitor asked us if we wanted the deeds back, or if we wanted him to keep them. I asked him if there was a charge, and he said no, so we left them with him.