Information for solicitors

We’re here to help you, so we’ve put together some information and answers to our most common mortgage related queries.

Redemption statements

Request a redemption statement if your client is redeeming their mortgage in full or if they’ve applied for a re-arrangement e.g. a port or transfer of equity etc. We aim to fax the statement to you within 3 working days. Unfortunately, we’re unable send this document by email.

Early Repayment Charge (ERC) Waiver

If there’s an ERC being waived as part of a re-arrangement, we’ll send the Waiver form with the new mortgage Offer. Please quote the mortgage account number (stated in the Offer), on this form to avoid delays.

Once we have everything we need, we’ll send a new redemption statement with the ERC adjusted if necessary.

Sending redemption funds

Use the mortgage account number as the payment reference. Anything other than this will cause the payment to reject. You don’t have to worry about our sort code and account number as that will be stated on the redemption statement.

You need to ask us for the release of charge/title deeds in writing. So we can deal with your request as quickly as possible, please make sure it’s on company headed paper and confirms:

  • Full property address that you want the release of charge/title deeds for
  • Mortgage account number
  • All title numbers relating to the property
  • Original charge date.

We’re unable to release the charge and/or deeds at the Land Registry if any of these details are missing.

The process for release of charge and title deeds differs by jurisdiction:

England & Wales

Once we have your written request and the account has been redeemed, we’ll release the charge within 21 working days of receiving the redemption funds.

If you’ve also asked for the title deeds, these will be released at the same time as the charge but could take 4 – 6 weeks.

Scotland

Once we have your written request and the account has been redeemed, please prepare and send us the discharge document for sealing.

We’ll send the sealed deeds within 4 – 6 weeks.

Northern Ireland

Once we have your written request and the account has been redeemed, we’ll send the title deeds within 4 – 6 weeks.

We’ll also include the sealed title deed. However if you have them prior to redemption of the mortgage, you’ll need to send them to us for sealing.

If you need a release of deeds for any other reason other than redemption, we’ll need a written request from a solicitor on our approved panel. We aim to deal with these requests within 10 working days.

Send all requests to:
Email: mortgage.services@boi.com
FAX : 0117 943 6555
DX: 98850 Bristol 2
Post: Mortgage Customer Services Department
Bank of Ireland
PO Box 3191
1 Temple Quay
Bristol
BS1 9HY

*Calls are recorded for training and monitoring purposes. Lines are open 9am– 5pm Monday to Friday. 03 calls cost no more than calls to geographic numbers (01 or 02). Calls from landlines and mobiles are included in free call packages.