HM Land Registry’s “Sign your mortgage deed service” reaches 1000th registered deed

mobile phone screen showing sign your mortgage deed, with a cup of tea

HM Land Registry’s new digital service “Sign your mortgage deed” is now building momentum as the 1000th digital mortgage deed was registered last week.

Coventry Building Society, who registered the very first digital mortgage, are leading the way with 37% of all digital mortgages registered, followed by closely by HSBC at 25% who signed nearly 200 digital mortgages in September alone.

In terms of conveyancers more than half of digital mortgages were delivered via Enact making them the leading conveyancer using the new service.

The service was launched by HM Land Registry to reduce paperwork and delays when applying for a remortgage.

Some customers have been able to complete the remortgage process in 3 days, 18 days less than average for a paper transaction.

Peter Frost, Chief Operating Officer at Coventry Building Society, said:

We’re delighted that this industry leading initiative to speed up property transactions has reached such a fantastic milestone. Feedback from remortgagors has been very positive, with customers finding the process simple, quick and secure. We’re proud to have worked with HM Land Registry and Enact Conveyancing on this initiative and are excited about the potential for it to be extended to purchases in the future.

As well as speeding up the remortgaging process, the way the service has been designed makes it more convenient for home owners. The only information needed is an email address, a mobile phone number and the borrower’s date of birth.

Because the whole process is completed online, it can be done at any time of the day and anywhere with an internet connection, meaning the service isn’t delayed by people waiting until they get home, needing to buy stamps, or making the last post.

The service is currently available for people remortgaging their houses; with HM Land Registry planning on expanding the service to all home owners in the future.


The first 1000 digitally signed deeds that have been registered:

  • Coventry Building Society – 368
  • HSBC – 254
  • Enact – 533

Details on the digital mortgage service: ‘Sign your mortgage deed’

The following lenders are all now able to use the digital mortgage service:

  • Atom Bank
  • Barclays
  • Clydesdale Yorkshire Banking Group
  • Coventry Building Society
  • HSBC
  • Metro Bank
  • Molo Finance
  • Nationwide and The Mortgage Works
  • Platform (a trading name of the Co-operative Bank)
  • Principality Building Society
  • RBS and NatWest
  • Santander
  • Skipton Building Society
  • TSB
  • West Bromwich Building Society

The following conveyancers are using the service:

  • Enact
  • Hugh James
  • LMS
  • O’Neill Patient
  • Optima

Customers with the mortgage lenders listed above should talk to their customer support team about using the free and fast new service.

HM Land Registry is working with other mortgage lenders and conveyancers to help them get ready to use the new service. Mortgage lenders and conveyancers who are interested in using the service should contact

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