Can you solve my dilemma over deeds?

I bought my house in 2000 without a mortgage and I hold the title deeds. Now that I am selling it do I need to update copies of my title documents?
Question: I bought my house in 2000 without a mortgage and I hold the title deeds. Now that I am selling it, will I need to update copies of my title documents, or will those I obtained in 2000 be enough? 

Answer: Your buyer's solicitor will want to see up-to-date copies of the Land Registry documents, not those lodged in 2000. You bought with cash, so there is no mortgage from that year but you might have taken out a mortage since then to raise some funds, or you might have sold off a bit of the garden or changed the boundaries in some way — all of which will have been registered.

If there are references in the registers of title to documents and there is a note saying "copy filed", your buyer's solicitors will want to see those documents. If you have the originals or certified copies of those documents among the title deeds, you may be able to use those — which will save you having to pay the Land Registry fees for obtaining official copies.

The title deeds may also include copies of any relevant planning consents or building regulations approvals and original guarantees for works done, such as timber or damp treatments, which will be useful for your solicitor to include in the contract package.

What's your problem? If you have a question for Fiona McNulty, please email legalsolutions@standard.co.uk or write to Legal Solutions, Homes & Property, London Evening Standard, 2 Derry Street, W8 5EE. We regret that questions cannot be answered individually but we will try to feature them here. Fiona McNulty is a partner in the residential property, farms and estates team at Withy King LLP (withyking.co.uk). 

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