Which document is used to evidence the discharge of the existing mortgage for registration at the Land Registry?

• A. Form DS1
• B. Form AP1
• C. Form TR1
• D. LTR SDLT5

Answer: (A)

When a mortgage is repaid, the charge against the title must be removed so the Land Registry reflects that there is no longer a mortgage registered against the property. The document used to evidence that discharge is Form DS1, the discharge of charge form. The lender signs DS1 to certify the mortgage has been paid off, and this form is lodged with the Land Registry to remove the charge from the title.

Forms used for other tasks don’t fit this purpose. AP1 is for applying to register a new title or a change to a registered title, TR1 is the transfer deed used when the property changes hands, and the SDLT5 relates to Stamp Duty Land Tax matters, not to discharging a mortgage.