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Law Society of Scotland

Mortgage Discharge

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If you are lucky enough to have paid off your mortgage, then your mortgage lender will usually offer you the option of them retaining your deeds in storage, or allowing a discharge of the security (mortgage deed) registered in the Land Register of Scotland. To achieve this you need a solicitor to be involved.

Guide to Mortgage Discharges in Scotland

If you are lucky enough to have paid off your mortgage, then your mortgage lender will usually offer you the option of them retaining your deeds in storage, or allowing a discharge of the security ( mortgage deed) registered against them in the Land Register of Scotland. There is no urgent need to do this, but most clients in our experience like the thought of their home deeds being freed from the bondage of the bank or building society.

We deal daily with mortgage discharges for our clients, and you should contact us by filling out our online enquiry form here, email us [email protected] or telephone your nearest office to get an immediate response and advice about your own mortgage discharge.

For more information on mortgage discharges you can read our helpful guide below.

You Need a Solicitor to be Involved

In order to achieve this you need a solicitor to be involved. Once we have taken all the details from you, we order down your deeds, either through the lender’s website or by letter, including the mortgage security. We draw a discharge , which is a deed that cancels the security out, and send it to the lender to sign or seal. Once we have that back, it goes to the Land Register of Scotland with an application to register the discharge, and that application is processed at the Register. The current registration charge is £60.00.

Free Storage for Title Deeds

Once that process is complete, your title is free and clear. We then offer a free storage service, as most clients prefer that their deeds are kept in a secure and professional facility, rather than perhaps being lost over time at home. However, even if lost, the fact that the title and the discharge are registered means that copies or substitutes are available which are just as effective as the real thing.

As with all other work we provide a written quotation of fees and outlays, and issue our terms and conditions at the outset of the work.

Contact our Solicitors for Mortgage Discharge, Glasgow, Scotland

We deal daily with this kind of job for clients, and you should contact us by filling out our online enquiry form here, email us [email protected] or telephone your nearest office to get an immediate response and advice about your own mortgage discharge. The preliminary meeting with one of our friendly and efficient solicitors is free, and after discussion of the procedures, a quotation of fees and registration dues is made in writing before commencement of work.

After the discharge process is complete, we offer a free deeds storage service.

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