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Information for customers

We've put together some key questions which should help you understand where your deeds are held.

Do you hold the title documents for my property?

  • English / Welsh properties
    If your mortgage started after 1 May 2000, your title documents will be held electronically at the land registry. If you have any queries, please contact the Land Registry at www.landregistry.gov.uk.
    If your mortgage started before 1 May 2000, please contact us on 0345 300 2627 for further information.
  • Scottish properties
    Please contact us on 0345 300 2627 for further information.
  • Properties in Northern Ireland
    Yes we will hold the deeds for properties in Northern Ireland once registration has been completed, please contact us on 0345 300 2627 for further information.

Why has your charge not been registered on my property?

It is the responsibility of the completion solicitors to register our charge, to register your ownership with the land registry and to inform us when this has been completed.

It is very important that registration takes place within three months of your mortgage account start date, to secure our interest.

How do I obtain copies of the title documents?

If we hold the title documents please contact us detailing your requirements. Alternatively, you could contact the relevant land registry for further guidance.

If you hold the title documents, what will happen to these when my mortgage account closes?

If you instruct a solicitor to close your account on your behalf, we will forward your title documents to them upon redemption of all accounts relating to that property.

If you send us the redemption funds to close all accounts relating to that property, we will forward your title documents to your correspondence address (unless otherwise instructed by you).

If you do not hold the title documents, what will happen when my mortgage account closes?

If you instruct a solicitor to close your account on your behalf, we will remove our charge with the land registry, provided there are no outstanding debts due to us relating to that property.

If you send us the redemption funds to close your account, we will remove our charge with the land registry provided there are no outstanding debts due to us relating to that property. We will write to you to confirm closure of your account.

For telephone line opening times, please read the information in our contact section. Calls may be monitored and recorded for security and training purposes.

Our tracker rate mortgages are linked to Bank of England Bank Rate (also known as Bank of England repo rate). Details of this rate can be found on the Bank of England website or in the Financial Times or other leading newspapers.

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This site is intended for UK residents unless otherwise stated. Mortgage Loans will be made by Birmingham Midshires.
Birmingham Midshires is a division of Bank of Scotland plc. Registered in Scotland No. SC327000. Registered Office: The Mound, Edinburgh, EH1 1YZ.
To contact the FCA Consumer helpline, please ring 0800 111 6768 or visit www.moneyadviceservice.org.uk/.