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Discharging Your Mortgage

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Your home is perhaps your most valuable asset, and if you’re fortunate enough to have paid-off your mortgage, or if you’re thinking of putting a loved one’s name on your title deeds, there are some really important things you need to know.

Some people think that repaying your mortgage makes the bank disappear from your title deeds, that’s not true.  Paying the final instalment of your mortgage doesn’t end your ties to your bank until you formally remove the mortgage. Your bank will remain on your title deeds as a party with a right over your property until they are instructed to be removed.

If you decide to sell your house at any point in the future, you will need to have the mortgage removed.  No-one interested in buying your home will go ahead with the purchase unless you have a “clean title” meaning your title deeds show no other party having a right over your home.

Should the worse happen and your home is being passed onto a friend or relative in your Will and your mortgage has not been discharged this will pass onto them to deal with prior to being able to make any decisions on selling your property.

Discharge your mortgage with Thompsons

Discharging your mortgage is a legal process and requires instructing a solicitor to prepare a “discharge” on your behalf.  This is a straightforward procedure and our lawyers will ensure that your mortgage is removed as quickly as possible with the minimum fuss.  All we require from you is a copy of your title deeds and your permission to speak with your mortgage lender and we will do the rest.

We can make your home your own, start the process of removing your lender from your title deeds by calling 0800 0891 331 and speak to our private client solicitors.

Legal services for Disputed Probate 5 1177
Based on 2226 reviews
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5 / 5

Will writing

Emma was very excellent and very helpful.

Anonymous
1 December 2025
5 / 5

Professional and reassuring

We met Hayden in the Glasgow office having just lost my wife’s close Auntie. It had been a difficult time over a year and we were not looking forward to going through all the legal challenges ahead. The first thing Hayden said was “ don’t worry that’s my job “ he listened and guided us through the initial meeting and we left with a weight off our shoulders confident that he had control. Over the next 7 months we had regular updates on the progress without being bombarded with legal documents and speak just a calm this is where we are at . Overall Hayden’s professional confident and more importantly compassionate demeanour is his strength and he probably doesn’t realise how much he did to help us return to a calmer life we can’t thank him enough.

Linda Peters
30 November 2025
5 / 5

Free will writing

I used the free will writing service (National Free Wills Network) and found the process really straightforward. Emma was approachable, professional and took time to explain everything clearly. I'd recommend the service generally, and Emma in particular, to anyone looking to get a will sorted.

Anonymous
28 October 2025
5 / 5

Very helpful

From when Hayden called me to help with my parent's estate, I felt at ease. The questions I asked were answered quickly as I wasn't sure on alot Hayden helped me.

Claire Gemmell
12 August 2025
5 / 5

Amendments to our wills

John and I found Emma to be very helpful and professional! Margaret McElhinney & John McArdle

Margaret McElhinney and John McArdle
31 July 2025
5 / 5

Great experience

Hayden was very friendly and helpful from the start. My situation was of a very sensitive nature with my wife passing, and he and the team where nothing but helpful and positive. Explaining what processes have to be taken and rough time frames for each step. Communication throughout was excellent, I was kept informed and up to date at all times.

Ryan McGuinness
15 April 2025
5 / 5

5 star service

Kirsty was polite, professional and explained everything clearly. In my experience the service was faultless.

Cheryl
6 March 2025
5 / 5

Will writing

Kirsty helped with writing my will, she made me comfortable with the different legal terms and explained in layman’s terms. Very positive experience

Hilary
30 January 2025
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