The Retirement Thread
2 lurkers |
176 watchers
Aug 2022
8:46am, 2 Aug 2022
5,852 posts
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Fields
I’ve got a built in safe in my house so could store paperwork there but I think deeds are all virtual these days I’m a long way off paying off the mortgage (26 years 11 months) but I don’t need to worry about my fixed rate until 2032 which is helpful. I’ve started overpaying by £1 per month, just to have a record of overpayments. At the moment it’s not feasible to repay more. |
Aug 2022
8:47am, 2 Aug 2022
28,049 posts
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Johnny Blaze
I quite liked getting the deeds and stuff. It made me feel at last like I was *actually* a homeowner, plus you are finally on the Land Registry with no charges against your property.
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Aug 2022
8:51am, 2 Aug 2022
6,349 posts
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um
The deeds/rights went fully digital (in England, not sure if other nations have their own rules) in April 2018. I'm not sure if there's any transfer of historic records, or whether only done at the next transaction?
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Aug 2022
8:54am, 2 Aug 2022
2,556 posts
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Flatlander
Writing of deeds and Land Registry, it is worth setting up a property alert on your home propertyalert.landregistry.gov.uk so you can be notified if someone else tries to claim the property as their own and then sell it (it happens! That is why the service has been set up).
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Aug 2022
9:03am, 2 Aug 2022
5,272 posts
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K5 Gus
^^ England and Wals only. There is no Scottish equivalent, ros.gov.uk |
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Aug 2022
9:04am, 2 Aug 2022
28,053 posts
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Johnny Blaze
Ah. I got all mine in a big envelope when I paid the mortgage off.
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Aug 2022
9:06am, 2 Aug 2022
5,855 posts
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Fields
Thanks Flatlander been meaning to do that
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Aug 2022
9:09am, 2 Aug 2022
43,159 posts
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HappyG(rrr)
I'm looking forward to having the problem of deciding to pay off or leave £1 balance. I won't tell you what the balance is just now, but it's eye watering! But overpayments willing, we'll pay it off in 5 years. It's got 10 to run without overpayments. Wanting to have a chat with the missus about what life looks like in 5 years with no mortgage, no loans, no electricity bill (getting solar). She'll be 60, I'll be 58, would be good to know if we can ease off a bit in the money worries stakes. Will def still have to work, but could it be cut down at least?!  G
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Aug 2022
11:20am, 2 Aug 2022
91,492 posts
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Hanneke
I was looking forward to the deeds but realise that all that happens these days is that the charge is removed...
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Aug 2022
11:28am, 2 Aug 2022
63,873 posts
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Lip Gloss
My deeds are with my will at the solicitors .
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McGoohan Useful Links
FE accepts no responsibility for external links. Or anything, really.- Money Helper
- How Much is Enough to Retire On?
- Retirement Living Standards
- How much will you need to retire?
- Free Govt website for pension advice
- SIPP pensions
- ISAs
- Check your National Insurance contributions
- Check your state pension account
- Martin Lewis on pensions
- Support and advice for those widowed under the age of 50
- Power of Attorney information
- Making the most of your retirement
- 20 tips for a happy retirement
- Married Couple's Allowance
- Aviva guide to retirement planning
- U3A
- U3A Local Sites - map
- Make a Power of Attorney
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