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Getting deeds back from PTSB

  • 07-05-2022 11:49pm
    Registered Users Posts: 767 ✭✭✭ thejuggler

    Is there always a delay in getting house deeds back from the bank when a mortgage is cleared?

    I cleared mortgage in January. Requested deeds back in late February and still waiting. Phone them every few weeks for an update and keep getting fobbed off with ‘another few weeks ‘ excuse. Is this the norm?


  • Moderators, Business & Finance Moderators, Motoring & Transport Moderators, Society & Culture Moderators Posts: 62,640 Mod ✭✭✭✭ L1011

    They're always quite slow. They're stored in secure(ish) storage.

  • Registered Users Posts: 767 ✭✭✭ thejuggler

    I can’t imagine how you would go about moving house while your house is mortgaged if this is your typical delay. Maybe they respond more promptly to conveyencing requests from solicitors.

  • Posts: 0 [Deleted User]

    I ( very very happily) made my last mortgage payment Oct 2018 with BOI..... mid 2019 I wrote asking for deeds.....exact same as "robbed off" 2 or 3 times.......... didn't bother perusing it...... you've just put the thought in my to follow up over next week or so..... it can't be that hard to find them

  • Registered Users Posts: 11,108 ✭✭✭✭ Nekarsulm

    We cleared the mortgage on the house last summer.

    It was with B of I.

    They move at a glacial speed, after half a dozen phone calls and two letters we got a document stating that the loan was paid in full.

    Actual deeds arrived about two weeks ago.

    So, about 9 months from final payment.

  • Posts: 0 [Deleted User]

    I'm going to "get on this tommorow........ I'll bung off an email tonight & ring BOI tommorow afternoon.

    Nice achievement though....the final payment......i geuinely thought I'd be flush/ have MORE €€ in my pocket once mortgage was paid off but with 4 young uns between 16& 29 I never actually saw any extra cash🤣

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  • Registered Users Posts: 11,108 ✭✭✭✭ Nekarsulm

    You're right, mortgage is gone after 20 years, but now in the throes of college fees etc...

    Still, it'd be worse to be paying both...

  • Posts: 0 [Deleted User]

    Quick update....

    Got deeds on Friday.

    Made me think.....when I took out that mortgage in 1999 I remember thinking " Jesus, that's an AWFUL lot of money to be borrowing "..... it was for 94 thousand punts....... funny how the last 2decades have made that figure seem very 'modest'

  • Registered Users Posts: 4,426 ✭✭✭ maestroamado

    Did you do it with signed letter... there may be a small fee but i cannot remember for sure... same bank...

  • Registered Users Posts: 767 ✭✭✭ thejuggler

    Got them back last week after a 3 month wait and a lot of pestering. No charge