The Mortgage Release Letter is a critical document in Irish property and banking practice, issued when a borrower has fully repaid their mortgage loan. This document is required to formally release the lender's security interest in the property and allow for the removal of the mortgage charge from Land Registry records. The letter must comply with Irish property law, particularly the Land and Conveyancing Law Reform Act 2009 and the Registration of Title Act 1964. It serves as definitive evidence that the mortgage has been satisfied and that the lender relinquishes all claims to the property. The document is typically required for subsequent property sales, refinancing, or simply to confirm clear title to the property. It includes essential details such as the property description, original mortgage information, confirmation of full repayment, and explicit release language.
Create a bespoke document in minutes, or upload and review your own.
Thank you! Your submission has been received!
Oops! Something went wrong while submitting the form.
Get your first 2 documents free
Your data doesn't train Genie's AI
You keep IP ownership of your information
Key Requirements PROMPT example:
Mortgage Release Letter
"I need a Mortgage Release Letter for a residential property in Dublin that was fully paid off in January 2025, with standard release terms and instructions for the Land Registry."
Your data doesn't train Genie's AI
You keep IP ownership of your information
Thank you! Your submission has been received!
Oops! Something went wrong while submitting the form.
OR
1. Letter Header: Including date, reference number, and full letterhead of the lending institution
2. Addressee Details: Full name and address of the borrower(s)
3. Mortgage Account Reference: Clear identification of the mortgage account number and original mortgage date
4. Property Details: Full legal description of the mortgaged property
5. Confirmation of Repayment: Statement confirming full repayment of the mortgage loan
6. Release Declaration: Formal declaration releasing the bank's interest in the property
7. Land Registry Instructions: Authorization for the removal of the charge from Land Registry records
8. Authorized Signatory: Space for bank official's signature, name, and position
1. Partial Release Statement: Required when only part of a property or one of multiple properties is being released
2. Outstanding Obligations: Needed if there are any remaining obligations or conditions to be met
3. Related Facilities: Required when other credit facilities are secured against the same property
4. Solicitor Instructions: Include when specific instructions for the borrower's solicitor are needed regarding registration
5. Return of Original Documents: Section listing original documents being returned to the borrower
1. Property Description Schedule: Detailed legal description of the property including folio numbers and boundaries
2. Original Mortgage Details: Details of the original mortgage agreement including date, parties, and amount
3. Outstanding Items Checklist: List of any remaining administrative items to be completed
Authors
Relevant legal definitions
Clauses
Relevant Industries
Banking
Financial Services
Real Estate
Legal Services
Property Development
Mortgage Lending
Retail Banking
Relevant Teams
Legal
Mortgage Operations
Credit Administration
Compliance
Property Services
Customer Relations
Document Management
Risk Management
Relevant Roles
Mortgage Officer
Legal Counsel
Conveyancing Solicitor
Property Lawyer
Mortgage Administrator
Banking Operations Manager
Compliance Officer
Credit Risk Manager
Property Registration Officer
Banking Relationship Manager
Find the exact document you need
Occupiers Deed Of Consent To Mortgage
An Irish legal document where a property occupier formally consents to a mortgage being created over the property, ensuring compliance with Irish property law and protecting both lender and occupier interests.
find out more
Gift Letter For Down Payment
An Irish legal document confirming that funds provided towards a property purchase are a genuine gift with no repayment obligations.
find out more
Mortgage Preapproval Letter
An Irish lending institution's formal document indicating preliminary approval for a mortgage loan, subject to conditions and final underwriting.
find out more
Money Gift Letter For Mortgage
An Irish legal document confirming a monetary gift intended for property purchase or mortgage deposit, typically used between family members and required by mortgage lenders.
find out more
Third Party Authorization Form Mortgage
An Irish law-compliant form that authorizes a third party to act on behalf of a mortgage holder in mortgage-related matters with their lender.
find out more
Gifting Certificate For House Deposit
An Irish law-governed certificate documenting a monetary gift intended for use as a house deposit, meeting banking and regulatory requirements.
find out more
Discharge Of Mortgage Letter
An Irish law-compliant letter from a lender confirming full repayment of a mortgage and releasing their security interest in the property.
find out more
Gift Letter For Money
An Irish law-compliant document that formally certifies a monetary gift between parties, typically used for mortgage applications and tax purposes.
find out more
Deposit Gift Letter
An Irish legal document that formally declares and documents a monetary gift, typically used for property purchase deposits, complying with Irish banking and regulatory requirements.
find out more
Property Mortgage Agreement
An Irish law-governed agreement establishing the terms and conditions for property mortgage financing, including loan details, security arrangements, and regulatory requirements.
find out more
Mortgage Confirmation Form
An Irish law-compliant form that confirms and documents the key terms and conditions of a mortgage agreement between lender and borrower(s).
find out more
Mortgage Completion Letter
An Irish legal document issued by a solicitor to a mortgage lender confirming completion of property purchase and mortgage security requirements.
find out more
Mortgage Amendment Form
An Irish law-governed document used to modify existing mortgage terms between lender and borrower(s), ensuring compliance with Irish banking and property regulations.
find out more
Letter From Mortgage Lender
An Irish mortgage lender's formal offer letter outlining mortgage terms, conditions, and regulatory requirements in compliance with Irish banking laws.
find out more
Letter Of Employment For Mortgage
An Irish law-compliant formal letter confirming employment details and salary information for mortgage application purposes.
find out more
Home Loan Letter
An Irish-law governed formal mortgage offer letter detailing loan terms, conditions, and regulatory disclosures for residential property financing.
find out more
Housing Need Explanation Letter
A formal letter used in Irish housing applications to explain and justify an individual's or family's housing needs to local authorities and housing bodies.