Digital discharge service

The digital discharge service (DDS) is our online tool for discharging mortgage securities. It replaces the paper-based process with a fully digital service that centralises the activities of solicitors, lenders and RoS in our online portal.

DDS allows you to discharge the whole of a standard security registered over a single title.

Who can use DDS

DDS is designed for solicitors and lenders involved in the mortgage security discharge process.

Benefits

Compared with the paper based service, DDS provides substantial benefits:

  • 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 ¬£10 cheaper than a paper-based discharge

How it works

DDS is integrated with our existing eServices 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 already participating in the digital discharge service. New lenders will be added to the list very soon.

Royal Bank of Scotland

National Westminster Bank, including National Westminster Home Loans

Nationwide Building Society

Clydesdale Bank, including Yorkshire Bank

At present, Clydesdale Bank cannot accept digital discharges of securities for non-residential mortgages. Please submit these using the usual paper discharge process.

How to apply for DDS access

Solicitors

If you represent a solicitor firm already using our online services, you can request access for both existing and new members of your company to use the digital discharge service.

Fill in our form to request access to DDS.

If your company does not currently have access to our online services please contact eservices@ros.gov.uk. Your company must have a direct debit pre-payment FAS account to access DDS.

Lenders

If you represent a mortgage lender, contact Kevin.Stewart@ros.gov.uk and we will arrange a visit to help you set up DDS in your company.