Guidance

HM Land Registry: Risk mitigation services for mortgage lenders

Services for lenders and third parties working on their behalf that minimise mortgage risk and support due diligence.

As the definitive source of more than 25 million property titles for England and Wales, HM Land Registry safeguards property ownership worth more than £4 trillion, including more than £1 trillion of mortgages.

Charge validation service

We can help you keep up-to-date with your mortgage portfolio, by confirming the priority and status of your mortgages on the Register.

If you are considering buying another firm’s back book, or have bought one, we can help you to conduct your due diligence.

Read more about our Charge validation service

Data sync service

This service allows you to synchronise your systems with ours, so that:

  • you receive automatic notifications when your mortgages are registered or discharged
  • you know instantly when changes occur within your mortgage portfolio, helping you to detect risk at an early stage

There are extra options to:

  • electronically discharge your mortgages, to save you administration time and cost
  • confirm the priority of your mortgages, to help you meet lending criteria

Read more about our Data sync service

Other services for lenders

If you are a Business e-services customer, you can discharge your mortgages online via the portal.

More information

To discuss your existing or future business needs, please contact us:

Data Services Team

HM Land Registry
Rosebrae Court
Woodside Ferry Approach

Birkenhead
Merseyside
CH41 6DU

Published 15 December 2016