Discharge a charge

<p>I would like to apply to remove a charge from our property deeds and would be grateful if you could confirm that my understanding of the process is correct.</p> <p>My husband and I had a 3-year loan for our flat purchased in 2020. Although the loan was fully repaid in 2023, the charge is still showing on the deeds. Our lender has provided a completed DS1 form, but despite repeated requests they have not removed the charge electronically. We therefore wish to submit the application to the Land Registry ourselves.</p> <p>Could you please confirm which documents are required? I currently understand the following to be needed:</p> <ul> <li>DS1 completed by the lender&#160;(already obtained, completed without a solicitor). Are there any other forms the lender has to complete?&#160;</li> <li>ID1 forms – do both my husband and I need to complete these separately as we are joint owners?</li> <li>AP1 form</li> </ul> <p>Is this correct or is there anything further that we need to provide?</p> <p>Additionally, could you please advise on the cost of submitting this application and the available payment methods?</p> <p>Many thanks in advance.</p>

Maria - not all lenders discharge their legal charges electronically <p data-wrapper=true>In order to remove a charge from the&#160;<a href="https://eur03.safelinks.protection.outlook.com/?url=https://www.gov.uk/get-information-about-property-and-land/search-the-register&amp;data=05%7c02%7cRob.Lally%40landregistry.gov.uk%7c9da6741c61fb4ba3515f08dc6a9d1062%7c236309a8284b4e57a7b3fc767736f69d%7c0%7c0%7c638502470026135913%7cUnknown%7cTWFpbGZsb3d8eyJWIjoiMC4wLjAwMDAiLCJQIjoiV2luMzIiLCJBTiI6Ik1haWwiLCJXVCI6Mn0%3D%7c0%7c%7c%7c&amp;sdata=NMkPVHignGIz2L5VJ8HyIUUQQi2oZ0AE4K5uUCRfyog%3D&amp;reserved=0">register</a>, we need to see evidence that it has been paid off:</p> <ul> <li data-wrapper=true>You need to submit a completed&#160;<a href="https://www.gov.uk/government/publications/mortgage-cancellation-of-entries-for-lenders-ds1">form DS1</a>,&#160;and&#160;<a href="https://eur03.safelinks.protection.outlook.com/?url=https://www.gov.uk/government/publications/change-the-register-ap1&amp;data=05%7c02%7cRob.Lally%40landregistry.gov.uk%7c9da6741c61fb4ba3515f08dc6a9d1062%7c236309a8284b4e57a7b3fc767736f69d%7c0%7c0%7c638502470026161069%7cUnknown%7cTWFpbGZsb3d8eyJWIjoiMC4wLjAwMDAiLCJQIjoiV2luMzIiLCJBTiI6Ik1haWwiLCJXVCI6Mn0%3D%7c0%7c%7c%7c&amp;sdata=lRhE2vsT/ItNJR/Bn60bct9px7/kN/Uy5Gxw5qKseNQ%3D&amp;reserved=0">form AP1</a>&#160;or&#160;<a href="https://eur03.safelinks.protection.outlook.com/?url=https://www.gov.uk/government/publications/cancel-entries-relating-to-a-charge-registration-ds2&amp;data=05%7c02%7cRob.Lally%40landregistry.gov.uk%7c9da6741c61fb4ba3515f08dc6a9d1062%7c236309a8284b4e57a7b3fc767736f69d%7c0%7c0%7c638502470026168583%7cUnknown%7cTWFpbGZsb3d8eyJWIjoiMC4wLjAwMDAiLCJQIjoiV2luMzIiLCJBTiI6Ik1haWwiLCJXVCI6Mn0%3D%7c0%7c%7c%7c&amp;sdata=uN8GsZCtlsovlzqw1m%2Bqo/CEEHD9Pk3mLHx4JSYiQM8%3D&amp;reserved=0">form DS2</a></li> <li data-wrapper=true>You also need to complete the confirmation of identity required in panel 12 of form AP1, or panel 10 of Form DS2, and you normally need to provide evidence of identity. For more information, see&#160;<a href="https://eur03.safelinks.protection.outlook.com/?url=https://www.gov.uk/government/publications/evidence-of-identity-conveyancers&amp;data=05%7c02%7cRob.Lally%40landregistry.gov.uk%7c9da6741c61fb4ba3515f08dc6a9d1062%7c236309a8284b4e57a7b3fc767736f69d%7c0%7c0%7c638502470026175358%7cUnknown%7cTWFpbGZsb3d8eyJWIjoiMC4wLjAwMDAiLCJQIjoiV2luMzIiLCJBTiI6Ik1haWwiLCJXVCI6Mn0%3D%7c0%7c%7c%7c&amp;sdata=fIkC6dIo3cRHfTN17Y/kwmEfO5fLePubD9ttwLwNoXk%3D&amp;reserved=0">Practice guide 67: evidence of identity</a></li> </ul> <p data-wrapper=true>Our requirements are explained in these guides:</p> <ul> <li data-wrapper=true><a href="https://eur03.safelinks.protection.outlook.com/?url=https://www.gov.uk/guidance/completing-the-evidence-of-identity-panels-on-forms-ap1-fr1-ds2%23form-ap1&amp;data=05%7c02%7cRob.Lally%40landregistry.gov.uk%7c9da6741c61fb4ba3515f08dc6a9d1062%7c236309a8284b4e57a7b3fc767736f69d%7c0%7c0%7c638502470026181965%7cUnknown%7cTWFpbGZsb3d8eyJWIjoiMC4wLjAwMDAiLCJQIjoiV2luMzIiLCJBTiI6Ik1haWwiLCJXVCI6Mn0%3D%7c0%7c%7c%7c&amp;sdata=R9fwjSrHHVAFBg0slYnD%2BoTrCaBxjmElSvj/FMfeg3U%3D&amp;reserved=0">Completing the evidence of identity panel on form AP1</a></li> <li data-wrapper=true><u><a href="https://eur03.safelinks.protection.outlook.com/?url=https://www.gov.uk/government/publications/discharge-of-charges/practice-guide-31-discharges-of-charges%23discharges-and-releases-of-registered-charges&amp;data=05%7c02%7cRob.Lally%40landregistry.gov.uk%7c9da6741c61fb4ba3515f08dc6a9d1062%7c236309a8284b4e57a7b3fc767736f69d%7c0%7c0%7c638502470026188593%7cUnknown%7cTWFpbGZsb3d8eyJWIjoiMC4wLjAwMDAiLCJQIjoiV2luMzIiLCJBTiI6Ik1haWwiLCJXVCI6Mn0%3D%7c0%7c%7c%7c&amp;sdata=xBU3NV5%2BnfNILN85WUZGCBsMPd5uEqOTql7x5jWrMf8%3D&amp;reserved=0">Practice guide 31: discharges and releases of registered charges</a></u>&#160;</li> </ul> <p data-wrapper=true>This type of application does not attract a fee.</p> <p data-wrapper=true>Send your application to the appropriate&#160;<a href="https://eur03.safelinks.protection.outlook.com/?url=https://www.gov.uk/guidance/hm-land-registry-address-for-applications%23standard-addresses&amp;data=05%7c02%7cRob.Lally%40landregistry.gov.uk%7c9da6741c61fb4ba3515f08dc6a9d1062%7c236309a8284b4e57a7b3fc767736f69d%7c0%7c0%7c638502470026195414%7cUnknown%7cTWFpbGZsb3d8eyJWIjoiMC4wLjAwMDAiLCJQIjoiV2luMzIiLCJBTiI6Ik1haWwiLCJXVCI6Mn0%3D%7c0%7c%7c%7c&amp;sdata=MN9rwH02otHYlVum3tZpOOzDNZqLGn8LhS5SMfpwTiM%3D&amp;reserved=0">address for applications</a>.</p> <p data-wrapper=true>Land registration is complex, designed to protect legal and financial interests in property. There can be significant consequences for any error. Please consider seeking legal representation. Before making an application without legal representation, it is important to&#160;<a href="https://www.gov.uk/guidance/making-an-application-without-legal-representation">consider the benefits of using a conveyancer.</a></p>