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SERVICES / REAL ESTATE / Mortgage cancellation
Mortgage cancellation online: clear the charge on your Spanish property without travelling
You've paid off the mortgage, but it's still registered against the property. With your bank's zero-balance certificate, we arrange the cancellation deed before a notary and, if you wish, its registration so your property is free of charges.
- You sign the cancellation by video call, without travelling
- Available with the banks that have joined the system
- Land Registry registration, if you want it
- Fixed quote before we start
To sell, inherit or simply close the file
Paying the last instalment doesn't remove the mortgage from the Registry. Until it's cancelled, the property still carries the charge. You need it when:
- You are selling the property
- You want a new mortgage
- You are handling an inheritance
- The bank quotes a disproportionate fee
- You live abroad and can't travel to Spain
- You want it settled with no rush
Just three things
Valid ID document
Spanish DNI or NIE of the property owner.
Digital certificate
If you don't have one, you can obtain a temporary one by video identification on the Portal Notarial del Ciudadano; we help you.
Mortgage with a participating bank
Your bank must be on the list of banks that allow signing by video call. You provide the zero-balance certificate, issued free by the bank, and the loan deed or Land Registry extract.
Participating banks
For now, signing by video call is available with these banks: Banca March, Banco Santander, Banco de Crédito Cooperativo, Caixa Popular, Caja Rural Central, Caja Rural de Burgos, Fuentepelayo, Segovia y Castelldans, Caja Rural Granada, Cajasiete, Caixa Rural Torrent, Caja Rural Jaén, Caja Rural de Navarra, Caja Rural de Asturias, Cajamar, Deutsche Bank and Ibercaja. The list grows every month; if your bank isn't on it yet, ask us.
Fixed price
- Custom quote: fixed price by email within 2 hours, notarial fees and digital certificate included.
Frequently asked questions about mortgage cancellation
Do I have to sign?
Yes, by video call. Under the new system your own bank empowers you to execute the cancellation deed before the notary: you sign, without travelling and without waiting for the bank's representative.
What do I need to ask my bank for?
Only the zero-balance certificate, which the bank must issue free of charge once you have repaid the loan. We do not deal with the bank on your behalf; we tell you exactly what to request.
What if I don't cancel the mortgage?
It isn't compulsory, but the charge stays registered. A buyer will demand it if you sell, a bank will if you apply for a new mortgage, and it complicates an inheritance or gift. Also, after bank mergers, obtaining the certificate years later can be difficult. The sensible thing is to cancel as soon as you finish paying.
What does the quote include?
The notarial fees for the cancellation deed and receipt of payment, the tax self-assessment (exempt in most cases) and our fees. Land Registry registration is optional; if you want it, its fees are paid by the client directly to the Registry.
How long does the process take?
We confirm your appointment within 24 h of receiving your documentation and payment, and you sign by video call on the agreed date. You receive the authorised electronic copy within 24 h of signing. If you add Land Registry registration, it takes roughly one more month.
How do I receive the document?
Electronically, with a Secure Verification Code (CSV) and full legal validity. You can download it, print it and present it wherever you need.
Are you a notary's office?
No. Tu Notaría Online is an advisory and case-management service for notarial procedures: we guide you, prepare the documentation and coordinate the signing. The document is always authorised by a notary registered in Spain, who is the one giving public faith, by video call through the Portal Notarial del Ciudadano (Law 11/2023).
