Understanding property title deeds

Proof that you have the legal right to occupy, sell, or modify the property

OWNING A PROPERTY IS a significant milestone, but it comes with various legalities, one of which is the property title deed. A title deed is a crucial document that verifies your legal ownership of a property. It serves as proof that you have the legal right to occupy, sell, or modify the property. Without this document, disputes over property rights can arise, making it crucial for homeowners to understand what title deeds are and their importance in property ownership. In this article, we explore everything you need to know about title deeds in the UK.

WHAT EXACTLY IS A TITLE DEED?

A title deed is essentially a legal record of ownership. It typically includes detailed information about the property, such as its boundaries, any rights of way, and restrictions tied to the land. If you purchased property in England or Wales after 1990, your property is likely registered with HM Land Registry, meaning that physical title deeds are no longer essential. Instead, electronic records contain the key data. However, for unregistered properties- those that have not been sold or mortgaged since 1990- the original title deeds remain essential. These include conveyances, mortgages, and other legal documents that prove ownership.

HOW ARE TITLE DEEDS CREATED AND STORED?

When a property changes ownership, a solicitor or conveyancer typically creates a new title deed to document the change. For registered properties, this information is recorded digitally by HM Land Registry, which eliminates the need for homeowners to keep paper documents safely.  Despite this modern convenience, many individuals still keep paper deeds for historical or sentimental reasons. For unregistered properties, protecting title deeds is essential, as losing these documents can complicate future sales.

WHY ARE TITLE DEEDS IMPORTANT?

Title deeds play a crucial role in safeguarding property rights. They provide evidence of ownership during legal disputes or fraudulent claims. Moreover, they indicate any financial obligations on the property, such as mortgages, or limitations on its usage, like conservation area regulations. If you want to make changes to your property boundary or sell part of your land, the title deed provides a legal framework to ensure a smooth process. Similarly, buyers rely on these records to verify clear ownership and the absence of any unresolved issues.

TITLE DEEDS FOR REGISTERED VS UNREGISTERED PROPERTIES

For properties registered with HM Land Registry, keeping the title number and staying updated about your digital record is sufficient in most cases. You can request a copy of your title deeds online through the Land Registry website for a minimal cost. Owners of unregistered properties must take proactive steps. Important documents should be stored securely, and if title deeds are lost, it may be necessary to obtain a statutory declaration from a solicitor to prove ownership.

WHAT IF YOU LOSE YOUR DEEDS?

Misplacing title deeds can lead to complications, especially for unregistered properties. Fortunately, for registered properties, losing physical deeds isn’t disastrous, as ownership details are digitised with the Land Registry. If unregistered and your deeds are missing, a solicitor can compile supporting evidence to apply for formal registration or draft a replacement deed. Taking preventative steps to store deeds securely can save both time and legal expenses.

TRANSFERRING OR CHANGING OWNERSHIP

Title deeds are essential for transferring ownership or modifying property rights following events such as marriage, divorce, or inheritance. A legal professional typically supervises updates to ensure compliance with property law. Whether adding a new co-owner or removing a name, keeping title deeds up to date helps avoid potential disputes or delays in the future. It is advisable to seek legal advice to ensure all legal requirements are correctly followed.

 >> WOULD YOU LIKE TO DISCUSS YOUR MORTGAGE AND HOMEOWNERSHIP OPPORTUNITIES? << Speak to our expert team for personalised advice on mortgages and homeownership and discover the ideal home for you and your smart gadgets. Contact Omni Finance – telephone 01424 236903 – email simon.hickman@omnifinance.co.uk

The Mortgage & Property Magazine is published quarterly for Omni Finance by Goldmine Media Limited. All enquiries should be addressed to The Editor, The Mortgage & Property Magazine, c/o Goldmine Media Limited, 124 City Road, London EC1V 2NX. Please note that The Mortgage & Property Magazine does not accept unsolicited contributions. Editorial opinions expressed in this magazine are not necessarily those of Goldmine Media Limited and Omni Finance does not accept responsibility for the advertising content. Offers and promotions may have limited availability. To discover more, visit the Omni Finance website: www.omni-finance.co.uk. All Rights Reserved 2025. The content of the articles featured in this publication is for your general information and use only and is not intended to address your particular requirements. Due to the devolved administrations of the United Kingdom, the information relates to England only except where explicitly referred to otherwise. Articles should not be relied upon in their entirety and shall not be deemed to be, or constitute, advice. Although endeavours have been made to provide accurate and timely information, there can be no guarantee that such information is accurate as of the date it is received or that it will continue to be accurate in the future. No individual or company should act upon such information without receiving appropriate professional advice after a thorough examination of their particular situation. We cannot accept responsibility for any loss as a result of acts or omissions taken in respect of any articles.

THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME. YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE. AS WITH ALL INSURANCE POLICIES, CONDITIONS AND EXCLUSIONS MAY APPLY. YOUR BUY-TO-LET PROPERTY MAY BE REPOSSESSED OR A RECEIVER OF RENT APPOINTED IF YOU DO NOT KEEP UP PAYMENTS ON YOUR MORTGAGE. MOST BUY-TO-LET MORTGAGES ARE NOT REGULATED BY THE FINANCIAL CONDUCT AUTHORITY (FCA). EQUITY RELEASE MAY INVOLVE A HOME REVERSION PLAN OR LIFETIME MORTGAGE WHICH IS SECURED AGAINST YOUR PROPERTY. TO UNDERSTAND THE FEATURES AND RISKS, ASK FOR A PERSONALISED ILLUSTRATION. EQUITY RELEASE REQUIRES PAYING OFF ANY EXISTING MORTGAGE. ANY MONEY RELEASED, PLUS ACCRUED INTEREST, TO BE REPAID UPON DEATH OR MOVING INTO LONG-TERM CARE. EQUITY RELEASE WILL AFFECT POTENTIAL INHERITANCE AND YOUR ENTITLEMENT TO MEANS-TESTED BENEFITS BOTH NOW AND IN THE FUTURE.