I have paid off my mortgage, what do I need to do?
In order to remove a mortgage (sometimes also referred to as a 'charge') from the register, we will need to see evidence that the mortgage has been paid off.
Your lender, most commonly a bank or building society, may send you this evidence or they may notifiy us directly. Your lender, and any evidence they send to you, will determine the action you need to take.
They may send you either:
- a completed form DS1, or
- a letter stating that they have redeemed your mortgage.
I have received Land Registry form DS1
Form DS1 will have been completed by your lender. They may also have sent you form DS2 that you will need to complete (sometimes form DS2 is printed on the reverse side of a DS1). When you have completed form DS2 you need to send it along with the completed form DS1 to the office that deals with the area in which the land/property is located. If you have only been sent form DS1 you can obtain form DS2 from our website. Alternatively, you may 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.
If you are lodging the application yourself, you must also send 'certificate of identity forms' ID1 and/or ID2. Further information can be found in Public Guide 20 – Evidence of identity – non-conveyancers.
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?
If you have lodged the application you will receive up to date records of your title – this comprises an official copy of the register and a title information document. If your lender or another third party has lodged the application then you will not receive any notification or documentation from us unless they have specifically asked us to do so.
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.
Please note that in the majority of cases lenders do not ask us to send you any notification. Therefore if you wish to have evidence that the mortgage has been removed from our records and that your details are up-to-date, you can apply for offical copies of the register.