Misplacing your property’s title deeds can feel stressful, especially if you plan to sell, remortgage, or update your property records. In Ireland, there are well established procedures to deal with this situation.
What Happens When a Deed Goes Missing?
If the original deed is lost, the property can still be sold or registered. Tailte Éireann allows a copy of the deed to be used once certain conditions are met.
Step One: Prepare an Affidavit of Lost Deed
An Affidavit of Lost Deed explains who last held the deed, how it went missing, and what searches were carried out.
Step Two: Get a Title Bond (If Needed)
Even with an affidavit, some buyers or lenders want extra reassurance. A Title Bond is insurance that protects against risks associated with the missing deed, such as the risk that the deed was previously used as security for a loan.
These insurance bonds are widely available in Ireland and are commonly used in property transactions.
Step Three: Registration Can Proceed
Once all documents are complete, they can be submitted to Tailte Éireann so the transaction can move forward.
Our property team handles lost deeds regularly and can guide you smoothly through the process. Contact us here or email us info@mcgrathmullan.ie.
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