Which form must the certificate of title be provided in to a mortgagee?

• A. Any form the solicitor chooses
• B. A government standard form
• C. The solicitor's own form
• D. The SRA/UK Finance approved form

Answer: (D)

Lenders require a certificate of title in a standard, approved format so the title information is presented consistently and contains all the details a mortgagee needs to assess risk and complete the loan. The form approved by the SRA in conjunction with UK Finance has been specifically designed to include all necessary items—such as proprietor details, property description, encumbrances, easements, covenants, notices, and other title restrictions—in a clear, verifiable way. Using any other form could omit required information or create ambiguity, delaying funding or causing issues for the lender. There isn’t a government standard form for this, and a solicitor’s own form wouldn’t meet the lender’s standard or regulatory expectations. So the correct approach is to provide the certificate of title in the SRA/UK Finance approved form.