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A Release of Mortgage formally ends a lender's legal claim over a property once the borrower has fully repaid their mortgage loan. This important document proves that the homeowner now has clear ownership of their property, free from the lender's security interest.

In England and Wales, this release (also called a mortgage discharge) must be properly registered with HM Land Registry to update the property's title. Once registered, it removes the lender's charge from the property records and confirms that all mortgage obligations have been satisfied. Most lenders handle this process automatically after receiving the final payment, though homeowners should always get confirmation that it's been completed.

A Release of Mortgage becomes essential when you've paid off your mortgage in full and need to prove clear ownership of your property. The most common triggers are selling your home, refinancing with a new lender, or completing your original mortgage payments. Without this release properly registered, you might face difficulties selling your property or securing new financing.

Getting this document registered promptly with HM Land Registry matters because delays can complicate property transactions. For example, if you're selling your home, your buyer's solicitor will need to see the registered release to confirm there are no outstanding claims on the property. Many mortgage lenders in England and Wales handle this automatically, but it's worth checking your Land Registry records to confirm completion.

• Full Release: The standard form used when a mortgage is completely paid off, removing all the lender's claims on the property
• Partial Release: Used when releasing only a portion of the secured property, common in developments or large land parcels
• E-Release: The electronic version submitted directly to HM Land Registry through their portal system
• Deed of Release: A more formal version often used for complex property arrangements or commercial mortgages
• Satisfaction of Charge: Similar to a Release of Mortgage but specifically used for registered charges at Companies House

• Mortgage Lenders: Banks and building societies prepare and issue the Release of Mortgage once full payment is received
• Property Owners: Receive and retain the release as proof their mortgage is paid off and the property is unencumbered
• Conveyancing Solicitors: Handle the registration process with HM Land Registry and verify the release during property sales
• HM Land Registry: Records the release and updates the property's title register
• Future Buyers: Rely on the registered release as evidence that previous mortgage claims have been cleared

• Property Details: Gather the property's full legal description and title number from HM Land Registry records
• Mortgage Information: Collect the original mortgage deed details, including date, parties, and registration particulars
• Payment Confirmation: Obtain proof that the mortgage has been fully repaid, including the final settlement date
• Lender Details: Record the current legal name and registered address of the mortgage lender
• Signature Requirements: Ensure proper authorization from the lender's designated officers who can execute the release
• Registration Preparation: Complete HM Land Registry forms for updating the property register

• Identification Details: Full legal names and addresses of both lender and borrower, plus property description
• Original Mortgage: Reference to the original mortgage deed, including date and registration details
• Release Statement: Clear declaration that the mortgage is discharged and the property released from all claims
• Property Description: Exact legal description matching Land Registry records
• Execution Clause: Proper signature blocks for authorized lender representatives
• Witness Requirements: Space for witness signatures and their details as required by law
• Registration Details: Reference to HM Land Registry title number and registration requirements

A Release of Mortgage is often confused with a Release Deed, but they serve distinct legal purposes. While both documents involve releasing rights, their scope and application differ significantly.

• Purpose: A Release of Mortgage specifically terminates a lender's security interest in property, while a Release Deed can discharge various legal rights, claims, or obligations beyond just property matters
• Parties Involved: Release of Mortgage typically involves a lender and borrower, whereas Release Deeds can be between any parties with legal claims
• Registration Requirements: A Release of Mortgage must be registered with HM Land Registry to be effective, but a Release Deed may not always require registration
• Timing: Release of Mortgage occurs after full loan repayment, while Release Deeds can be executed at any agreed time between parties