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Mortgage discharge is the legal process of removing a security over a property once a mortgage has been paid off. It results in the title documents being cleared of the charge on the property. This means the rights the lender had over the property when the mortgage was agreed are removed and the owner is given clear title. The process of discharging a mortgage broadly involves the following steps:

  • First, your mortgage lender will probably contact you to let you know the mortgage has been fully paid.
  • Your solicitor will draw up a discharge based on the terms of the title deeds and then send this to the lender.
  • Once the lender has received the discharge, it will execute it by signing or sealing the deed and return the deed to the solicitor.
  • The solicitor will prepare the registration documents and send these, along with the discharge, for registration at the Land Registry Scotland.
  • Once the documents have been processed and the Registry’s records updated to show that there is no mortgage over the property, the deeds will be returned to the solicitor, who then passes them on to you to store as you see fit. 

Specialist Mortgage Discharge Advice

We are property law experts dedicated to providing our clients with the best possible service. We will keep you informed at every stage of the discharge, letting you know how the matter is progressing. We can also keep the deeds safe for you once the process is complete and the mortgage discharged.

Contact our Mortgage Discharge Solicitors in Lanark, Carluke, Hamilton & Motherwell, Scotland

Located in the heart of Lanarkshire, Davidson & Shirley are ideally placed to handle every matter relating to property in Scotland. No matter where you are based, we have the expertise to help. Please contact us on 01555 662576 or fill out our online enquiry form for more information.

Call now - 01555 662576

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