I have paid off my mortgage, what do I need to do?
When you have finished paying off your mortgage (sometimes also called a 'charge') your lender, most commonly a bank or building society, may send you evidence showing that you have paid it off. Alternatively they may notify us directly. We need to see this evidence before we will remove the mortgage from the register. Your lender, and any evidence they send you, will determine the action you need to take.
They may send you either:
- a completed form DS1 - Cancellation of entries relating to a registered charge (PDF, 81KB), or
- a letter stating that they have redeemed your mortgage.
I have received Land Registry form DS1
Form DS1 should have been filled in by your lender. If they have also sent you form DS2 you will need to fill it in (sometimes form DS2 is printed on the reverse side of a DS1). Send the completed forms:
- DS2 - If you have only been sent form DS1, you can download form DS2 (PDF, 61KB) or enclose a letter with the form DS1 asking us to update the register and give the address to which you would like us to send the updated details.
- ID1 (PDF, 88KB) and/or ID2 (PDF, 86KB) if you are lodging the application yourself - Public Guide 20 – Evidence of identity – non-conveyancers.
to the office that deals with the area in which the land or property is located.
There is no fee for this service.
I have received a letter from my lender stating that they have redeemed, or are going to redeem, my mortgage electronically
A mortgage can be removed from the register electronically. This is done by a lender who sends a discharge of the mortgage from their computer system directly to ours. Our computer system makes a number of checks and, provided everything is in order, the mortgage and any associated register entries are cancelled automatically.
If you receive a letter from your lender saying that they are redeeming the mortgage electronically you do not have to do anything.
Further information can be found in section 6 of Public Guide 3 - General Land Registry information.
What will I receive when the application has been completed?
You have lodged the application
You will receive:
No conveyancer acting - electronic discharge
In cases where no conveyancer is acting for you and you have paid off your mortgage:
- but are not moving to another property
- where the lender has sent us the discharge electronically, and
- the lender has instructed us to do so
we will send you a letter confirming that your mortgage has been paid off.
If your lender or another third party has lodged the application
You will not receive any notification or documentation from us unless they have specifically asked us to do so.
Checking your mortgage has been removed
In the majority of cases lenders do not ask us to send you any notification. So if you want evidence that the mortgage has been removed from our records and that your details are up-to-date, you can apply for official copies of the register