Ms Derville Rowland:

I am not an expert conveyancer. That is my understanding, if the title is clean and free, there is no longer a mortgage outstanding and all the legal due diligence has been done to remove the mortgage from the title. I am not a conveyancing expert but that is my understanding. Others will have been through the experience of living through conveyancing tracks and holding their deeds once they are clear and free from any charge on the title. One anticipates that the deeds would be returned to the person because they are the deeds to the person's house if there is no recourse lending.