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 only provide your bank's zero-balance certificate
• Cancellation deed and receipt of payment before a notary
• 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.

Zero-balance certificate and mortgage details

The certificate is issued free of charge by your bank once the loan is repaid (we tell you how to request it), together with the loan deed or Land Registry extract.

Living outside Spain?

One of the most frequent cases: the property is in Spain and you are not. You request the certificate from your bank, we coordinate the deed and registration, and you receive the document without travelling.

Frequently asked questions about mortgage cancellation

Do I have to sign?

No. The cancellation deed is executed by the bank's representative before the notary. You provide the zero-balance certificate and we coordinate the rest.

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?

The notarial part is usually completed within about 15 days of receiving your certificate, depending on the bank representative's availability to sign. Land Registry registration adds roughly another month: six to eight weeks in total.

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.