Documents to expect after closing

Lycoge

Hi

What should you expect after a sale has closed? We are in the house now so I'm really just wondering about what documentation, if any, I should expect.

Mortgage agreement
Land registry
Deeds

Basically aside from the fact we're paying mortgage payments each month, do we get anything that shows we bought the property? Do all these things stay with the bank or should we expect copies?

Anything else?

Thanks

Gumbo

New house or second hand?

We bought new in 2006, twice actually and both times got nothing!
We bought second hand in 2015 and we got copies of the OSi Maps, BER Certificate and advisory Report and proof of HOusehold charge and LPT paid throughout the years.

Think the bank keep the deeds, unless you've bought with your own cash.
The mortgage agreements came directly from the bank in our case.

Lycoge

Bought a new build

Gumbo

Lycoge wrote: »

Bought a new build

Some form of safety file.
Which should contain documents and instructions n how to use various appliances, heat pumps, solar panels or water / central heating control but generally they will be left in the house by the builder.

Lycoge

kceire wrote:

Some form of safety file. Which should contain documents and instructions n how to use various appliances, heat pumps, solar panels or water / central heating control but generally they will be left in the house by the builder.

Got those from the builders. Thanks. Seems like I shouldn't be expecting much else then in terms of paperwork. I'm waiting for the solicitor to get back to me as I asked him the same question. Just seems a little odd to own the house and have nothing legal to show for it. Though I guess we don't really "own" the house until the mortgage is paid off. Ah well, only 34 years 10 months until then!

wench

I think the only thing I got from my solicitor was a copy of the receipt for the stamp duty.

seamus

Yeah, you'll probably only get receipts or invoices from your solicitor and various pieces of welcome documentation from the bank.

Additionally checking the property price register will show that the purchase has been registered and stamp duty paid, so you can be 99% confident that everything has been done properly and the house is yours on paper.

riclad

IF you have a mortgage on the house the bank will have the deeds .
You should get a document from solicitor ,
bill paid, eg say 1200 plus 20 per cent vat for house purchase .

ask for a bank statement after 5 week,s to check your mortgage is being paid .
You should have documents form bank you have x mortgage variable rate ,
start date x/x/x adress ,term of mortgage eg 25 year ,s etc
loan amount .account name .
You have a loan on house x,
i don,t think you technically own it until the loan is paid off,
get a file ,put all bank statements,letters from the bank into it.
After a certain time the capital, money you owe starts to decrease each year .