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What to do when you’ve repaid your mortgage

Congratulations! You’ve repaid your mortgage. To request your deeds and for other things to think about now your mortgage is repaid read our guide.

Complete form

Insurance

If you have any insurance related to your mortgage, check whether the policy still suits your needs. We recommend seeking advice if you need to make any changes.


Financial Planning

With the mortgage repaid, it might be a good time to review your financial situation and consider future investment or savings opportunities.


Request your House Deeds

Once your mortgage is fully repaid, you need to have your mortgage ‘vacated’. This means Danske Bank will no longer be named on your deeds as an interested party. Consider how and where you will safely store your deeds once the mortgage is fully paid and vacated.

To request your deeds please complete the form below and we will begin the process.

Please note that fees will apply to vacate your mortgage and release your deeds which are set out in the form below.

Please complete the form below to authorise the release of title deeds.

Ensure all mandatory fields (*) are completed.


Eligibility Questions

Sorry, only registered owners of the property can request deeds.

Sorry, as the property isn't in Northern Ireland, we are unable to action this request online, please call us on 028 9004 8720.

Sorry, as all borrowing secured against this property hasn't been repaid, we are unable to action this request online, please call us on 028 9004 8720.

Your Details

Deeds

You can either collect your deeds at a Danske Bank branch or have them sent to your solicitor.

  • Collect at Branch - Please note that a £50 mortgage vacate fee and a £75 deeds release fee will apply. These fees were detailed in your original mortgage illustration. You can pay these when collecting your deeds.
  • Send to Solicitor - Please note that a £50 mortgage vacate fee and a £75 deeds release fee will apply. These fees were detailed in your original mortgage illustration. We will contact you to arrange payment before releasing your deeds.

Authorisation


What happens next

If you are collecting your deeds from a branch, a member of staff from your nominated branch will contact you when they are ready for collection.

If you have requested your deeds to be sent to your solicitor, we will contact you to confirm details before releasing. We will also write to all registered parties providing fee information.

Please allow up to 8 weeks before the deeds are ready for collection or with your solicitors.

As you are collecting your deeds from a branch, a member of staff from your nominated branch will contact you when they are ready for collection.

Please allow up to 8 weeks before the deeds are ready for collection from your branch.

As you are having your deeds sent to your solicitor, we will contact you to confirm details before releasing. We will also write to all registered parties providing fee information.

Please allow up to 8 weeks before the deeds are with your solicitors.


For staff completion only


The information you provide will be held by Danske Bank (Danske Bank is a trading name of Northern Bank Limited). We'll use it to process your request and help manage this account(s) and any services used. Please read our Privacy Notice which explains how we collect, create, use, share, store and delete your personal and business information. It sets out your rights under UK data protection law and regulation. By continuing, you confirm you're happy with this and that you've had a chance to read the Privacy Notice.



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