Contact
Bond | Title deed

Don’t lose your title deed!

“For home owners it is often an important milestone the day they have paid of their bond. This is followed by the bank releasing the title deed to the owner. But what happens when the owner wants to sell the property but cannot find the original title deed the bank gave back.”

Your title deed serves as proof of your ownership of a property, and as a result must be produced when certain property transactions are to be carried out, such as selling the property to another. For as long as a bank holds a mortgage bond over your property, the bank will retain such title deed as security until the bond has been settled. Thereafter it will be released to the legal holder thereof, namely the owner. Where there is no mortgage over the property, the title deed will be transferred directly to the new owner of a property.

Where a property is to be transferred, the original title deed must always be lodged at the Deeds Office. Without it the transfer cannot proceed. Should such a title deed be lost, it will require a written application for a certified copy thereof to be brought in the Deeds Office in terms of Regulation 68(1) of the Deeds Registries Act. Such an application will take the form of an affidavit.

The following process must be followed with such an application:

  1. The applicant will be required to publish a notice of intention to apply for a certified copy in an issue of a newspaper circulating in the area of jurisdiction in which the property is situated;
  2. Proof of this advertisement must be lodged with the Deeds Office;
  3. A copy of the lost title deed must then lay open for inspection in the Deeds Office for a period of 2 weeks from date of publication of the aforementioned notice;
  4. Any interested party may object to the issue of such certified copy within the 2 weeks from date of publication;
  5. Only once the 2 weeks have lapsed, may the application for a certified copy be lodged at the Deeds Office; and finally
  6. Should there be a mortgage bond registered over the property, the bondholder’s consent will also be required. 

In addition, to the transfer of property, an original title deed also becomes important when a legal dispute arises and you have to provide proof of your ownership of the property. 

Once a title deed comes into your possession it is vital that you keep such safe. Should you lose it, it doesn’t mean you no longer have any rights of ownership. However, for any transaction like a sale of property to be effected, you will have to apply for a certified copy thereof, and this can be both time-consuming and costly, particularly if it could have been avoided by taking care to securely store your title deed.

If you have lost your title deed, consult your local property advisor to help you apply for a copy of your title deed. 

Disclaimer: This article is the personal opinion/view of the author(s) and is not necessarily that of the firm. The content is provided for information only and should not be seen as an exact or complete exposition of the law. Accordingly, no reliance should be placed on the content for any reason whatsoever and no action should be taken on the basis thereof unless its application and accuracy has been confirmed by a legal advisor. The firm and author(s) cannot be held liable for any prejudice or damage resulting from action taken on the basis of this content without further written confirmation by the author(s). 

October 20, 2022
Culture vs style: When workplace dress codes cross the line

Culture vs style: When workplace dress codes cross the line

by | Jan 16, 2026 | , , , ,

Dress codes are a familiar part of many workplaces, yet employers often fail to calibrate how far they are allowed to go in regulating employee personal appearance. While employers may enforce standards of neatness, safety and professionalism, these rules cannot override constitutional rights, nor can they operate in a discriminatory manner. A recent reminder of this emerged from the Supreme Court of Appeal, where the court had to consider the fairness of dismissing correctional officers for refusing to cut their dreadlocks, contrary to the employer’s dress code.

Competition Commission guidelines on confidential information

Competition Commission guidelines on confidential information

by | Jan 16, 2026 | , ,

The Competition Commission of South Africa (“Competition Commission”) identified a need to guide merger parties and stakeholders on claiming confidentiality over information. In September 2025, the Competition Commission issued Guidelines on the Commission’s handling of confidential information (“Guidelines”), which, however, are not binding on the Competition Commission, the Competition Tribunal or the Competition Appeal Court, but must be taken into account by these authorities when interpreting and applying the Competition Act 89 of 1998 (“Competition Act”).

Termination of joint ownership, rights in question: PIE Act explained

Termination of joint ownership, rights in question: PIE Act explained

by | Jan 16, 2026 | , , ,

In a recent Western Cape court case where the court ordered the termination of joint ownership of properties, an interesting question arose as to whether the termination of joint ownership did not amount to an eviction contrary to the Prevention of Illegal Eviction from and Unlawful Occupation of Land Act, 19 of 1998 (PIE Act)? We look at the requirements for the termination of joint ownership by our courts and whether this can infringe on the PIE Act.

Sign up to our newsletter

Pin It on Pinterest