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“Step-by-Step Process for a Discharge of Charge on Property”

Service Description


A Discharge of Charge is a legal instrument used to free a property from the encumbrance of a mortgage or charge after the debt has been paid off. It is a declaration that the borrower has fulfilled their loan obligations, allowing for the clear transfer of title.


The fundamental requirement for a Discharge of Charge is evidence that all debts secured by the charge have been satisfied. This typically involves presenting the final payment receipt or a lender’s statement confirming the loan balance is zero. Additionally, identification details of the charged property and the parties involved are necessary.

How to Draft

Drafting a Discharge of Charge must be done with precision and must include the date of the original mortgage agreement, the amount that was charged, details of the property, and the parties to the charge. It should also state unequivocally that the lender discharges the borrower from all obligations under the said charge. The document should be signed by the lender and, in some cases, witnessed.


Filing a Discharge of Charge typically involves submitting the document to the appropriate land registry or public records office. The procedure ensures the removal of the charge from the property records. Depending on the jurisdiction, there may be a fee, and the process might require additional forms or notices to be filed alongside the discharge.


Completing a Discharge of Charge is a crucial final step in the mortgage repayment process, as it officially removes the lender’s claim over the property. It is important for property owners to understand the process and ensure that the discharge is properly drafted, executed, and filed to protect their interests and ensure a clear title to their property.