Information for solicitors - Bank of Ireland UK

Legal documents and forms
Redemption statements and ERC Waiver
Release of charge and title deeds
FAQs

Here’s a list of the legal documents you need to complete on a mortgage Offer between us and your client.

General – all areas of the UK

Notice to Lessor(s)

Early Repayment Charge (ERC) Waiver form

First Start - Information for solicitors
England and Wales

Residential Mortgage Conditions 2018 Edition One (England and Wales)

Mortgage Deed

Flexible Mortgage Deed
Scotland

Residential Mortgage Conditions 2018 Edition One (Scotland)

Standard Security

Flexible Standard Security

ILA Standard Security
Northern Ireland

Residential Mortgage Conditions 2018 Edition One (Northern Ireland)

Mortgage Deed

Flexible Mortgage Deed
Viewing your client’s Offer and sending us an e-COT – all areas of the UK

Your firm will get an email from LMS once we’ve uploaded a mortgage Offer for one of your clients. You can get their Offer by selecting ‘Case Management’ in the LMS Conveyancer Zone.

We now only accept e-COTs. You can send as many e-COTs as you need to for a case using ‘Case Management’.

e-COTs help to speed up the completion process. They also help to protect us from fraud as it means our bank details are secure.

Your firm must be on the LMS approved panel to access Offers and submit e-COTs. You can apply to register if you’re not already on the panel.

Go to LMS Conveyancer Zone.

Conveyancer Zone

Register your firm.

Apply now

Contact us using Secure Link if you have any questions.

Get in touch

How do I request a redemption statement?

You’ll need to request a redemption statement if:

A borrower is redeeming their mortgage in full
They’ve applied for a re-arrangement. For example, a port or transfer of equity
We need to switch a borrower from one mortgage account to another (forced re-arrangement).

Click the button below to request a redemption statement through Secure Link. Most of the time, it’ll be uploaded instantly if you make the request between 8am – 8pm, Monday to Friday.

We’ll upload it manually if you requested it between 8pm – 8am, on a weekend or if the statement’s subject to certain exclusions. In these cases, we aim to deal with your request within three working days.

You’ll get a notification in your Secure Link account when the statement is ready.

Log into Secure Link

What happens if I don’t want to register for Secure Link?

Don’t worry! You can still request a redemption statement with us online. We aim to deal with your request within five working days. This will be sent by post, which can take another five working days to be delivered. We don’t send these documents by email or fax.

Do I need a new redemption statement if the borrower’s mortgage balance has changed?

You should request a new redemption statement if you know the balance has changed. This could be because the borrower has made a monthly payment(s) or a part redemption etc.

What reference number should I use when I send the redemption funds?

Only use the mortgage account number as the payment reference. Anything else will cause the payment to be rejected and will lead to a delay.

How do I get an Early Repayment Charge (ERC) waiver form?

If the ERC doesn’t apply, you can download the waiver form from our legal documents and forms tab. Click on ‘General – all areas of the UK’ to view and print it.

Please make sure you clearly state the mortgage account number on the form. This helps to speed up the process and prevent any delay.

Send the completed form to rearrangements@boi.com

The process for release of charge and title deeds differs by jurisdiction:

England & Wales

Once the account has been redeemed, we’ll automatically release the charge within 21 working days of receiving the redemption funds.

If you’ve also asked for the title deeds, these will be released at the same time as the charge but could take four to six weeks.

Scotland

Once we have your written request and the account has been redeemed, please prepare and send us the discharge document for sealing.

We’ll send the sealed deeds within four to six weeks.

Northern Ireland

Once we have your written request and the account has been redeemed, we’ll send the title deeds within four to six weeks.

We’ll also include the sealed title deed. However if you have them prior to redemption of the mortgage, you’ll need to send them to us for sealing.

If you need a release of deeds for any other reason other than redemption, we’ll need a written request from a solicitor on our approved panel. We aim to deal with these requests within ten working days.

Please make sure your request confirms:

Full property address that you want the release of charge/title deeds for
Mortgage account number
All title numbers relating to the property
Original charge date.

We’re unable to release the charge and/or deeds at the Land Registry if any of these details are missing.

Send all requests to:

Email: mortgage.services@boi.com
DX: 98850 Bristol 2
Post: Mortgage Customer Services Department
Bank of Ireland
PO Box 3191
1 Temple Quay
Bristol
BS1 9HY

Why haven’t I had the redemption statement I’ve requested?
There are a number of reasons you haven’t had your statement yet. It could be because:
- You requested it between 8pm and 8am, on a weekend or there was an exclusion on the statement. In these cases, we’ll upload the statement manually within three working days
- The details you’ve given on Secure Link don’t match our records. You’ll have three chances to correct them. Your request will be referred to our team for review if the details still don’t match. This may take up to five working days.
- We’ll send the statement by post if you requested this using our website. You should allow an extra five working days for the statement to arrive. If you haven’t received anything after this time, it may be due to:
  - Missing or incorrect borrower details
  - A mismatch between the statement and our records, such as a name change since the mortgage started.
We’ll let you know through Secure Link or post if our records are different to what you told us. You’ll need to submit a new request if any changes are needed.
What happens if the borrower has changed their name since their mortgage started?

You’ll need to submit a new request using Secure Link or online in the borrower’s previous name(s). They can also let us know their new name by sending us a change of name form.
Why haven’t you released the charge yet?

You’ll find more details on our release of charge and title deeds tab.
What should I do if there are there are multiple title numbers for the property?

You should include all the property title numbers in your request. You’ll need to send a request for the additional title numbers if you miss any. Call us on 0345 300 8000* if you included all the title numbers and we haven’t released the charge on all of them.

You’ll need to return title deeds or discharge documents for sealing in Scotland and Northern Ireland. You’ll find more details on our release of charge and title deeds tab.
Why haven’t I had the borrower’s title deeds?

Please read release of charge and title deeds for more information. Call us on 0345 300 8000* if you’ve been waiting for the title deeds longer than six weeks.

* Visit our accessibility support page to call using a British Sign Language (BSL) interpreter. To call using text Relay, dial 18001 then the number you want to call using a textphone or the Relay UK app. All calls are recorded for training and monitoring purposes. Lines are open 9am – 5pm, Monday to Friday. We’re closed on Bank Holidays. 03 calls cost no more than calls to geographic numbers (01 or 02). Calls from landlines and mobiles are included in free call packages.