What is Title Deed?
The title deed is the legal document proving property ownership. In Australia, titles are now held electronically at the state Land Titles Office — most owners never physically hold a paper title. The "Certificate of Title" confirms who owns the property and what encumbrances exist.
Why it matters for you
At settlement, your lender typically lodges a mortgage on the title. When you discharge the loan, the mortgage is removed — leaving the title unencumbered. Your conveyancer coordinates all title updates; you don't need to touch the Land Titles Office directly.
Last updated: April 2026