Updated October 2026 · Fraser Bond
Legal · Title
Clearing a mortgage charge
DS1paper form
e-DS1electronic
Checkyour title
Sellingneeds a clear title
In short: When you pay off a mortgage, the lender's charge on your Land Registry title must be removed. Lenders usually do this electronically, or by sending a signed DS1 form that you or your solicitor submit. If you've repaid a mortgage but the charge still shows, ask the lender to confirm the discharge. When you sell, your solicitor arranges for existing charges to be cleared at completion. Fraser Bond helps sellers prepare for a smooth sale.
If a repaid mortgage still shows
1
Download your titleCheck the charges register.
2
Contact the lenderAsk whether they have sent a discharge.
3
Get the DS1If they send a paper DS1, submit it to the Land Registry.
4
RestrictionsIf a lender restriction remains, it may also need removing.
5
Check againDownload the updated title.
| Method | How it works |
|---|---|
| Electronic discharge | Lender notifies the Land Registry directly |
| DS1 form | Signed by the lender and submitted to the Land Registry |
| At sale | Your solicitor arranges discharge on completion |
How charges are removed
Selling a home?
- Free sales valuation
- We work with your solicitor
- Proactive sales progression
Frequently asked questions
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What is a DS1?
A Land Registry form used to remove a registered charge, such as a mortgage.
Who sends a DS1?
The lender, after the mortgage is repaid.
Is there a fee?
Lenders' discharge fees vary. Check your mortgage terms.
