Updated October 2026 · Fraser Bond
Title clean-up
Paid off the debt? The charge may still need removing from the register
DS1discharge form
e-DS1electronic discharge
RX4cancel restriction
Courtfor charging orders
In short: Paying off a debt doesn't always remove it from the title automatically. Mortgage lenders usually send an electronic discharge (e-DS1) or a signed DS1 to HM Land Registry. For charging orders, you may need a court order or the creditor's consent. Restrictions linked to a charge can be cancelled with the right form and evidence once the debt is cleared.
| Entry | How it's removed |
|---|---|
| Mortgage charge | Lender sends e-DS1/DS1 to HM Land Registry |
| Charging order | Creditor's consent or court order, then application to Land Registry |
| Restriction | Application to cancel (e.g. form RX4) with evidence |
| Unilateral notice | Application to remove (UN4) or challenge it |
Getting it done
1
Order the titleCheck what's on the register.
2
Contact the chargeholderAsk for discharge or written consent.
3
Submit the right formYour solicitor can file it with HM Land Registry.
4
Check the updated titleConfirm the entry has gone.
Frequently asked questions
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How long does it take to remove a charge?
Electronic discharges can be quick; others take weeks depending on Land Registry processing.
Can I sell with a charge still on the title?
Yes, if it's repaid from the sale proceeds at completion.
Do I need a solicitor?
Not always, but it's advisable for charging orders and disputes.
Selling and need a clean title?
We'll coordinate with your solicitor so the sale isn't delayed.
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