Discharge a charge

<p>I would be grateful if you could please confirm that my understanding is correct, as I would like to apply to remove the charge from the deeds myself.</p> <p>My husband and I had a 3-year loan for the flat we purchased in 2020, which is still shown on our title as an active charge. This loan was fully repaid in 2023. A few months ago we discovered that the lender had not removed the charge. At that time, they provided us with a paper DS1 form.</p> <p>Since then, we have repeatedly asked the lender to remove the charge electronically, but they have not prioritised our request and the charge remains registered.</p> <p>We would therefore like to apply to HM Land Registry directly.</p> <p>Could you please confirm whether the following documents are all that we need to submit, or advise if anything further is required?</p> <ul> <li>DS1 completed by the lender without a solicitor (already obtained). Are there any other forms the lender should complete?&#160;</li> <li>ID1 forms – do both my husband and I need to complete one each, as we each own 50% and are both named on the title?</li> <li>AP1 application form</li> </ul> <p>Is there anything else we should include?</p> <p>Many thanks in advance.<br> Kind regards</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>