On 11 October 2021, the Real Property Amendment (Certificates of Title) Act 2021 commenced, which abolished the Certificates of Title (CTs) and the control of the right to deal (CoRD) framework. All existing CTs have been cancelled and CTs will no longer be issued. Existing CTs will not need to be produced, and CoRD holder consent will not be required, for a dealing or plan to be registered. All existing Guidelines subject to this change are currently being reviewed and will be updated to reflect these changes. For further information regarding the abolition of CTs, please see https://www.registrargeneral.nsw.gov.au/property-and-conveyancing/eConveyancing/abolition-of-certificates-of-title

Discharge of Mortgage (electronic)

A Discharge of Mortgage instrument is used to remove the recording of a mortgage from a land title.

An electronic Discharge of Mortgage can be lodged where it affects the whole of the land.

A Discharge of Mortgage must be lodged as a Dealing with Exception in certain instances, see Lodgment Rules Exception page.

NOTE To discharge a part of the principal sum the parties must lodge a Variation of Mortgage form 05VM in paper.

For information to assist with completing a Discharge of mortgage in an ELNO, see ELNO guidance notes for Discharge of Mortgage.