What the Digital Discharge Service is
The Digital Discharge Service (DDS) removes the need to draft and sign a paper discharge deed.
Digital discharges of standard securities registered in the Land Register can be created using Register Land and Property (RLP).
DDS provides:
- greater security
- greater efficiency and speed
- an intuitive process
Solicitors complete the application details and send the discharge request to the lender.
The system generates a digital deed, which the lender then signs and submits to RoS.
RLP will tell you whether a standard security can be discharged via DDS.
DDS limitations
DDS cannot be used where:
- the security is registered over multiple titles
- the title over which the security is registered has not yet completed First Registration on the Land Register
- the security has been assigned to another lender via a registered Deed of Assignation
- only part of the security is to be discharged
- a lender has specified to RoS that the security should not be discharged digitally
In these situations, you must use the non-digital process and obtain a signed paper deed from the lender for submission as an application, as you would with other deed types.
You can find out if your particular security can be discharged digitally using our Discharge Checker.
The following lenders are currently participating in the Digital Discharge Service:
Admiral Financial Services - 0141 222 7950
Aldermore - 0333 321 1000
Aviva - 0800 158 4177
Birmingham Midshires - 0345 300 2627
BoS/Halifax mortgage servicing team - 0345 850 3705
Clydesdale and Yorkshire Bank Group - 0800 121 4203
The Co-operative Bank - 0800 0288 288
Coventry Building Society - 0800 1218899
Coutts, part of the RBS group - 0207 753 1000
Darlington Building Society - 01325 741 043
Department of Work & Pensions - 0800 916 0567
Equifinance Limited - 0141 222 7950
Evolution Lending - 0141 222 7950
GE Money Servicing Limited – GE Money Servicing Ltd, 3rd Floor 1 Ashley Road, Altrincham, Cheshire, United Kingdom, WA14 2DT
Generation Home - 0330 808 1791 mymortgage@generationhome.com
Governor and Company of BoS - 0345 603 1136
HSBC – 0345 766 2255
Interbridge Mortgages - 0141 222 7950
Legal and General Home Finance - 0333 004 8444
Lloyds Business and Commercial Banking - $Securities@lloydsbanking.com
Masthaven Finance - 0141 222 7950
Nationwide Building Society - 0800 302 010
RBS (inc NatWest) - 0345 7212 600
Santander - 0800 068 6064
Scottish Building Society - 0131 313 7733
Scottish Government: More Homes Division – 0300 244 4000
Scottish Widows Bank - 0131 655 3580
Shawbrook Bank - 0141 222 7950
Skipton Building Society - 0345 607 9848
Step One Finance - 0141 222 7950
Tandem Home Loans Limited. - 0141 222 7950
The Mortgage Works - 03456 064 060
TSB Business Customers - tsbsecurities@tsb.co.uk
TSB Personal Mortgages - 0345 835 3380
Virgin Money - 0345 602 8301
UK Mortgage Lending Ltd- 0141 222 7950
Yorkshire Building Society - deeds@ybs.co.uk
If you are a lender, you can learn more about DDS for lenders.
Reasons to contact lenders
Once you’ve requested your discharge, it will be sent to the lender for approval before submission to RoS for registration.
Discharge status
A ‘With Lender’ status on your dashboard means your lender has yet to approve the discharge.
You should contact your lender if:
- you are concerned about the time it's taking to process
- your status is showing as 'Declined' and you need further explanation
- you have sent a discharge request to your lender and do not want it to be approved
Apply for access
To use the DDS, you need to have:
- land registration permissions
- discharge service permissions
Fill in our form to request access to our discharge service.
Are you looking for information on what to do next after you’ve paid off your mortgage?