Completing your Mortgage Deed

Questions about your mortgage deed? Not sure how to complete the deed correctly? Reading this article will set your mind at ease and guide you successfully through this process.

What is the Mortgage Deed?

This can sometimes be known as the legal charge form. Your mortgage deed is usually a 1 or 2 page document that, once signed, provides confirmation that you’re happy to proceed based on the terms of your mortgage offer. Upon completion, the signed mortgage deed is a legally binding document.

Who can witness this?

The witness needs to be 18 or over, not a relative, not party to this mortgage and doesn’t live in the property. Dependent on who your new lender is, a mortgage advisor may not be an acceptable witness.

Should I date it?

No, we’ll date the deed once we have completed your remortgage.

Can you send me my mortgage deed via email?

We need to send the mortgage deed by post to the address we have been given by your new mortgage lender. This is to help minimise risks of mortgage fraud within the industry.

Can I email this to you?

No, we need the original version of the signed and witnessed deed returning through the post before we can proceed.

Can it be the same witness for both of us?

Absolutely (as long as the witness fits the above criteria).

I haven’t received my mortgage offer yet, can I still send the deed back?

Although you can return your mortgage deed to us at any point, please ensure you have read and understood your mortgage offer, terms and conditions.

What is an occupier?

An occupier is anyone who lives in your property, who is not named on the mortgage.

Why have you sent me another mortgage deed?

If the original mortgage deed has not been signed or witnessed correctly, or is not received in a suitable condition, we may have to re-issue a fresh version of the deed. Please see the example that you’ll have received, which will help you complete the mortgage deed correctly.

Are my tenants occupiers?

If you have a buy to let property that is tenanted, we do not classify them as “occupiers” as they reside in the property under a tenancy agreement. If we need the information, there will be a separate section in the questionnaire to tell us about your tenants.

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