Sign your mortgage deed: guide for homeowners
Updated 7 March 2023
Applies to England and Wales
© Crown copyright 2023
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This publication is available at https://www.gov.uk/government/publications/hm-land-registry-sign-your-mortgage-deed/sign-your-mortgage-deed-guide-for-homeowners
The Sign your mortgage deed service from HM Land Registry allows you to quickly and securely sign your mortgage deed at a time that suits you.
You do not have to wait for the paperwork to arrive in the post, sign it in front of a witness, and send it back to your conveyancer or lender. It’s all done on your computer or mobile phone.
Sign your mortgage deed
Your conveyancer must have your:
- mobile phone number
- email address
- date of birth
Your conveyancer will send you an email with instructions on how to access the Sign your mortgage deed service. The email will be sent to the email address you gave to your conveyancer.
Proving your identity
You will need to prove your identity using GOV.UK Verify. GOV.UK Verify is safe and takes about 15 minutes register.
Request a code
You will be logged into the HM Land Registry service when you’ve verified your identity. You can check the details on your mortgage deed and request a code to sign the deed.
The code will be sent to the mobile phone number you gave to your conveyancer. Your mortgage deed is signed when you enter the code.
Your conveyancer and mortgage lender will be able to view the status of the deed at any time. Everyone named on the property will need to follow the process. You do not have to sign the deed at the same time. Your conveyancer and lender will be told when everyone named on the property has signed the deed.
Remortgaging your property
You can use the service to remortgage your property. Your bank or building society and conveyancer must use the Sign your mortgage deed service.
Banks and building societies using the service
Banks and building societies using the Sign your mortgage deed service include:
- Barclays
- Coventry Building Society
- Godiva Mortgages
- HSBC
- Nationwide Building Society
- NatWest
- Santander
- The Co-operative Bank (Platform)
- The Mortgage Works
- The Royal Bank of Scotland
- TSB
- Virgin Money (Clydesdale Bank plc)
Conveyancers using the service
Conveyancers using the Sign your mortgage deed service include:
- Enact
- Hugh James
- Knights Professional
- LMS
- O’Neill Patient
- Optima Legal
Using GOV.UK One Login
Sign your mortgage deed uses GOV.UK One Login to prove you are who you say you are securely. Using GOV.UK One Login is safe.
Get help with GOV.UK One Login
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Sign your mortgage deed has changed its identity verification provider from GOV.UK Verify, which is being retired in April 2023, to GOV.UK One Login which is now available.
Sign your mortgage deed will be accessible to all users who verify their identity via One Login.