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. port, transfer of equity etc. We aim to fax the statement to you within three 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 only the mortgage account number as the payment reference, as anything else will cause the payment to reject.

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

England & Wales

Once the account has been redeemed, we’ll automatically 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 four to six weeks.


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 four to six weeks.

Northern Ireland

Once we have your written request and the account has been redeemed, we’ll send the title deeds within four to six 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 ten working days.

Please make sure your request 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.

Send all requests to:

Fax : 0117 943 6555
DX: 98850 Bristol 2
Post: Mortgage Customer Services Department
Bank of Ireland
PO Box 3191
1 Temple Quay

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