The Discharge of Mortgage Letter is a critical document in Irish property transactions, issued when a borrower has fully repaid their mortgage or when a property is being sold with mortgage redemption. It serves as the formal confirmation from the lender that the mortgage has been satisfied and that their security interest in the property is released. This document is essential for updating property records at the Land Registry and is required under Irish property law for clean title transfer. The letter must comply with the Land and Conveyancing Law Reform Act 2009 and includes specific details such as property identification, mortgage reference, and formal discharge statements. It's a crucial document for property transactions, refinancing, and maintaining accurate property records in Ireland.
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1. Letter Header and Date: Bank's letterhead, current date, and reference numbers
2. Addressee Details: Full name and address of the borrower(s)
3. Property Identification: Clear description of the mortgaged property including folio number and property address
4. Mortgage Details: Reference to the original mortgage agreement including date and parties
5. Confirmation of Discharge: Clear statement confirming the full discharge of the mortgage and release of security
6. Bank Authorization: Statement of the bank's authority to discharge the mortgage and confirmation that all sums have been repaid
7. Execution Block: Signature section for authorized bank representative with name and title
1. Partial Discharge Statement: Used when only part of the mortgaged property is being released while maintaining security over other portions
2. Multiple Borrower Declaration: Required when there are multiple borrowers on the mortgage
3. Trustee Statement: Needed when the property is held in trust or when the discharge is being executed by trustees
4. Solicitor Instructions: Additional instructions for the borrower's solicitor regarding registration of the discharge
5. Outstanding Tasks: List of any remaining administrative tasks or requirements to complete the discharge process
1. Property Schedule: Detailed description of the property/properties including folio numbers, boundaries, and any relevant maps or plans
2. Document List: Schedule of all relevant documents including the original mortgage deed, any assignments or transfers
3. Registration Details: Details required for Land Registry purposes including any specific forms or requirements for registration of the discharge
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