Register Land and Property (RLP) is our online tool for discharging mortgage securities on the land register.
It replaces the paper-based process with a fully digital service that centralises the activities of solicitors, lenders and RoS in our online portal.
RLP allows you to discharge the whole of a standard security, registered over a single title.
If your security also covers another title on the land register or General Register of Sasines, you'll need to submit a separate discharge application.
Who can use RLP
RLP is designed for solicitors and lenders involved in the mortgage security discharge process.
Public Guidance
For information on how to discharge your mortgage deed see our detailed public guidance pages.
Benefits
Compared with the paper based service, RLP provides substantial benefits.
RLP is:
- more secure – delivers the highest level of security, reducing fraud risk through individual logins and digital signatures
- faster – fully digital system means no more paper or post, speeding up the process
- simple and intuitive – a step-by-step process involving very little manual input makes for a simple and speedy service
- more efficient – directly links with RoS data and systems, reducing risk of error and saving you time
- cost effective – a digital transaction is cheaper than a paper-based discharge
How it works
RLP is integrated with our existing online services portal.
A solicitor logs in and sends a request to discharge a deed to the lender. The lender confirms the discharge of the standard security directly to RoS, using secure Public Key Infrastructure (PKI) technology.
Participating lenders
The following lenders are currently participating in the digital discharge service:
- 1st Stop Home Loans
- Adam & Company, part of the RBS group
- Aldermore Bank
- CHL Mortgages
- Clydesdale Bank, including Yorkshire Bank
- Darlington Building Society
- First Direct
- HSBC
- Legal and General Home Finance
- Lloyds Banking Group
- Nationwide Building Society
- National Westminster Bank, including National Westminster Home Loans
- OneFamily Lifetime Mortgages Limited
- Oplo HD Ltd
- Optimum Credit
- Royal Bank of Scotland
- Scottish Building Society
- Scottish Widows Bank
- Shawbrook Bank
- The Mortgage Works
- TSB
- UK Mortgage Lending Ltd
- Virgin Money
- Weatherbys Bank
At present, lenders cannot accept digital discharges of securities for non-residential mortgages. Please submit these using the usual paper discharge process.
Reasons to contact your lender
How to apply for access
Fill in our form to request access to our discharge service.
If your company does not currently have access to our online services, please register to access our business services.