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Posted 7 days ago by Meenakshi Parameshwaran
Hello,

I paid my mortgage off in full in December 2024. and have now received a letter from Skipton Building Society confirming this. They advised me to contact the Land Registry but I’m entirely unsure as to who I am meant to contact and why. Please can you help?

Thank you!
 
Posted 7 days ago by Adam Hookway
Hello - have a read of our blog on what happens after a mortgage has been paid off - Where are my title deeds, and do I need them? – HM Land Registry
You can search the land register at any time for a fee if you wish to - Search for land and property information - GOV.UK
Posted 7 days ago by Meenakshi Parameshwaran

Thanks very much for your reply and the links, Adam, appreciate it. I now know what a title deed is!

Sounds like I don’t need to do anything further then, as it’s all held digitally, and my letter from Skipton says they will contact the Land Registry to release the charges they have on the property.

If I paid the fee to access the title register for my property, is that a one-off access or can I continue to see the title register for X period of time/indefinitely? I’m asking as I don’t know how long to wait before I can be confident the register has been updated and I don’t want to pay the fee multiple times.

Thanks again.

Posted 7 days ago by Adam Hookway
Meenakshi - noted and appreciated
Most lenders remove the mortgage from the register electronically and on average within a 3-4 week timescale of them notifying you.
The online service is a one-off one so you get a download at that specific time which you can save etc but there's no repeat access. If you searched again in 4 weeks you would need to pay the same fee again
If you have the address/title number then happy to check and confirm if mortgage removed or not yet?
Posted 7 days ago by Meenakshi Parameshwaran

Thanks very much for the extra info, Adam.

Four weeks have passed but there might have been a break in Skipton’s admin work over Christmas and New Year so the records might not have been updated yet.

If you wouldn’t mind checking for me please - the title number is NK46654. Thanks very much.

Posted 7 days ago by Adam Hookway
Meenakshi - removed 27th December 
NK46654
Posted 6 days ago by Meenakshi Parameshwaran

Brilliant, thank you very much for checking for me, Adam! You’ve been really helpful and resolved my questions so quickly - thanks again!

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