Santander Standard Mortgage Deed ((NEW)) Download

When submitting data for your template(s), you should remember that a digital mortgage is a new product, not just a replication of a paper deed. People read differently on the web than they do on paper, so your existing paper deeds might need to be comprehensively rewritten to work as a digital mortgage.

In order to make conveyancing simpler, quicker and cheaper, we have standardised the digital mortgage template where possible, with extensive user-testing. It aligns with Government Digital Service standards as to content design.

Santander Standard Mortgage Deed Download

Download File 🔥 https://urluss.com/2y3In8 🔥

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Note 2 referred to in this statutory form reads as follows: In an assignation, discharge or deed of restriction, (1) a standard security in respect of an uncertain amount may be described by specifying shortly the nature of the debt or obligation (e.g., all sums due or to become due) for which the security was granted, adding in the case of an assignation, to the extent of being the amount now due thereunder and (2) a standard security in respect of a personal obligation constituted in an instrument or instruments other than the standard security itself may be described by specifying shortly the nature of the debt or obligation and referring to the other instrument or instruments by which it is constituted in such manner as will be sufficient identification thereof.

Many lenders won't hold mortgage deeds for residential properties and expect the client or solicitor to hold them so I think your comments about deeds being held by a mortgage company is generally incorrect.

Thanks for your comments, Donald. I agree that it is more likely for the deeds to be held by a solicitor or conveyancer. I mentioned mortgage companies because I wanted to present all the options available to somebody trying to track down their deeds.

Hello Zaeem, I clearly state in the blog that your title deeds may be "with your mortgage company, if you have a mortgage". I agreed with Donald that it was less likely for them to held by lenders, though. Hope this is clear.

Last year we lost a sale because we didn't have a signed copy of our title deeds, we have a copy but for some reason it's not signed. Land registry have no record but have copies of all other relevant deeds. Our mortgage lender didn't have the title deeds or our solicitor at the time of sale didn't either. I have checked with both. When we tried to sell last year our then solicitor offered an indemnity insurance but this was not accepted. How can we right this situation so that we don't have the same problem when we next try to move? Our neighbours all have signed copies. We moved into our house in 1999. It was then a new build.

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. 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. 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. Now, just as we are about to exchange contracts, my buyers conveyancers want to impose indemnity insurance as they claim documents are missing from the deeds. One of the conveyances they have asked for sight of simply does not, nor could not have existed, on the date they claim. I have provided all the documentation to prove this. They've refused to give me the evidence upon which they based the request, are asking for yet more documentation, and asking the seller, again for indemnity insurance, saying that if he doesn't take it, his mortgage provider might ask for it. My buyer has seen all the deeds, They used to be, jointly, his deeds too. We are sitting looking at them now. What can we do ? How can we prove that an historic transfer of ownership did not take place when all the evidence we have proves it could not.

Ian, I have just 'stumbled' across these blogs and the various responses having found myself in this situation: mother is elderly and has lived in the property that I know she and my father owned ( mortgaged and fully paid up) since 1952. The local council have offered some work to adapt her bathroom, which is great, but the wish to see the deeds as proof of ownership before proceeding. Mum had the deeds kept in HSBC until 2014 ( she has bank statments showing the annual fee) but was then asked by the bank to collect them. Now we can't find them, so far. And there appears to be a void in the Registry records, it's as if the house doesn't exist. What should we do ?

Hello Adam or anyone else in HM Land Registry,

I have just written an email to my local branch of Land Registry to request a copy of my title deeds. I no longer have a mortgage so am unable to ask the previous mortgage provider. Now, I have read this blog and comments saying that Land Registry no longer hold paper copies.

Obviously I did have them originally but have lost or mislaid them, an action which is, of course, not recommended but sadly something that does happen.

The reason I'd like a copy urgently is that I wish to extend my lease which is now under 70 years, and my lease extension surveyor has said that he needs a copy of the lease.

Was hoping you would hold a copy at least digitally. Would you be able to help? Many thanks.

As my husband and I had paid off our mortgage aprox 6 months ago I enquired about having the original deeds returned. I was horrified to be told by a flippant member of staff that Land Registry did not have them. They are a historical document and wanted them returned. Enquired with HSBC (lender) and solicitor but could not advise me at all. I contacted the Western Mail who noted the story.

I think it is disgusting that we were not advised by either department what was the procedure and I still want our deeds returned !!!!!

Anthony - you will probably find that their reply is a standard one re their not holding any 'deeds' and that the register is held electronically by us. As the article explains we don't retain the original deeds/documents. Lender's don't send us the original deeds when the mortgage is paid off.

In the vast majority of cases and where a property has been sold/bought a few times after it has been registered those original deeds are not passed on. If the mortgage was taken out pre-2000 then the lender might have had a copy of the registered title in the form of a charge certificate - sometimes when they say they sent the deeds to us they mean that document. They don;t mean any other deeds/documents I'm afraid

I have also just paid off a mortgage, and am trying to locate my deeds.

I am disgusted that nobody seems to know where they are!

I am also annoyed that I am expected to pay for a copy of something that essentially now belongs to me and should have been automatically sent to me as soon as I paid off the mortgage

I am sorry but I suspect your deeds have been destroyed by your mortgage lender. Our mortgage lender finally admitted that they destroyed the deeds to our property. They were informed by the land registry that the paper deeds were no longer needed and that they could do with them what they wanted, so they destroyed them. No body likes to admit to you that this has happened because they know that they were wrong about what they have done. I don't know how they can get away with it. I was told it was a business decision, people making these sort of decisions looking after our money - nice.

I too have been trying to trace my deeds. Santander have been very unhelpful and said they never had them. Mortgage now paid off and over a month down the line still waiting for confirmation letter that the mortgage is paid off. I have been told that before they were destroyed by whoever they should have been offered back to us. They were not. I also don't see why I should have to pay to get a copy of any documents. Mortgage lenders should send a copy automatically. I have to accept that I may never get the deeds back and I really wanted them for historical purposes.

June - many thanks. So the title was first registered back in 1963 and the original deeds/documents would have been returned to the lodging solicitor at that time. They would have include a copy of the registered information as well in the form of a Land (unmortgaged) or Charge (mortgaged) certificate.

On the next sale the original owner may have handed over those original deeds/documents but it is equally possible that they did not. There was and is no requirement to do so. They would have handed over the Land or Charge certificate though and a new one issued to the new owner.

I don't know how or when the property was next sold after 1963 as our electronic records only start from 1994 for this title and refer to your own details as registered from 1987 but in many cases matters were dealt with by a buyer's solicitor and you would not always know what deeds/documents were handed over in such cases as often they went straight to the lender for security reasons. Of course if you recall seeing them then I can appreciate the frustration now felt.

In my experience your mortgage lender at the time will definitely have held the Charge Certificate issued in 1987 but they may not have had the original deeds/documents to which you refer. I note that the original mortgage was also not with Santander (Abbey National as they once were) but that it was transferred to them in 2007. Whilst that may be irrelevant re the original deeds/documents it may explain why the records Santander have are inconclusive?

None of this answers your fundamental question but it may help ease the frustration to a small extent knowing that it is quite possible that your lender never had the original deeds/documents for the reasons mentioned.

On a more positive note I can confirm that the mortgage details were removed from the title on the 22nd October. 2351a5e196