What document do you get when you pay off all of mortgage ?

pantaiema Forumite Posts: 183
Eighth Anniversary 100 Posts Combo Breaker
edited 26 October 2022 at 8:20AM in Mortgage-free wannabe
Dear All
What documents do you get from lenders when you pay off all of mortgage ?
- I understand there is no mortgage free certificate. As certificate is held on the land registry. Am I right ?
- What document do you get to proof it in the later date that you are mortgage free.
- It is a terrace house, freehold. What document do you get, how to proof it that you already own the house 100% when you get challenged in the future.
Thank you very much for your time


  • South_coast
    South_coast Forumite Posts: 4,506
    1,000 Posts Third Anniversary Name Dropper Photogenic
    The Land Registry record will show that you are the owner, with no mortgage lender also listed. I didn't receive anything, only a letter from the bank to confirm they were removing the charge
    Mortgage start: £65,495 (March 2016)
    Cleared 🧚‍♀️🧚‍♀️🧚‍♀️!!! In 5 years, 1 month and 29 days
    Total amount repaid: £72,307.03. £1.10 repaid for every £1.00 borrowed

    Finally earning interest instead of paying it!!!
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