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First digital mortgage registered at HM Land Registry

The first digital mortgage was entered into the Land Register by Enact Conveyancing and Coventry Building Society for a house in Rotherhithe, London.

Part of the ‘sign your mortgage deed service’, HM Land Registry aims to save time and provide a more secure service to homeowners, lenders and conveyancers.

The registration comes after HM Land Registry’s plan to transform the conveyancing market through quicker and simpler digital services and improved use of technology, simplifying the homebuying process entirely.


It also follows months of collaboration and testing with Coventry Building Society and Enact Conveyancing, using ‘GOV.UK Verify’ to enable borrowers to confirm their identity before digitally signing their mortgage deed online.

“By working with partners in the industry, we have secured a simpler and faster service for the benefit of home owners,” Graham Farrant, chief executive and chief land registrar of HM Land Registry, commented. “We are looking forward to rolling this out nationally and will be working with more conveyancers and lenders to do so.”

Peter Frost, chief operating officer at Coventry Building Society, added: “We’re delighted to have worked with HM Land Registry and Enact Conveyancing on this industry-leading initiative to speed up property transactions.”

According to Frost, initial feedback has been very positive, with customers finding the process simple, quick and secure.

“Although this initiative has started with remortgages,” he continued, “we’re excited about the potential for it to be extended to purchases in the future.”

Managing director of Enact Conveyancing, Ben Carroll, said: “We emphasise innovation that benefits our customers and improves their experience, so we are extremely pleased to join HM Land Registry and Coventry Building Society on this pioneering effort to transform the conveyancing process.”

“This fully-digitised journey will mean that a customer can sign their mortgage deed online at a time and place of their choosing, securely underpinned by the GOV.UK Verify platform.”


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