Terms and conditions

Electronic Notifications of Discharges ("ENDs")

The Registrar now accepts an electronic message from lenders authorised by the Land Registry as evidence of the discharge of a registered charge. The message takes the place of Form DS1. This system has been introduced to reduce the delays inherent in the paper-based system. The authorised lenders have agreed to adhere to specified time standards for transmitting an END or alerting a practitioner to a problem.

Full details of the system are contained in our Practice Guide 'Discharges of charges', which may be downloaded from this website. Alternatively, paper copies of which can be obtained from any district land registry.

LIST OF LENDERS AUTHORISED TO TRANSMIT

Abbey National PLC (Abbey National business division only)

Accord Mortgages Limited

Alliance & Leicester PLC

Amber Homeloans Limited

Avco Trust

Bank of Ireland Home Mortgages Limited

Bank of Scotland PLC (Halifax, Birmingham Midshires, Intelligent Finance and Bank of Scotland divisions)

Barclays Bank PLC (former Woolwich plc charges & charges marketed under Woolwich brand only)

Battersea Park Mortgage Funding Limited

Berkshire Capital Funding PLC

Birmingham Midshires Mortgage Asset (No. 5) Limited

Birmingham Midshires Mortgage Asset No. 1 Limited

Birmingham Midshires Mortgage Asset No. 6 Limited

Birmingham Midshires Mortgage Services Limited

Birmingham Midshires Mortgage Services No. 1 Limited

Bradford & Bingley plc

Bristol & West PLC

Capital Bank Mortgages Ltd

Central Trust PLC

Chelsea Building Society

Cheltenham & Gloucester PLC

Cheshire Building Society

CIS Mortgage Maker Limited

Citifinancial Europe PLC (formerly Associates Capital Corporation PLC)

CitiFinancial Mortgage Corporation (formerly Associates Mortgage Corporation)

Close Mortgages Limited

Commercial First Business Limited

Commercial First Mortgages Limited

Commercial First Securities Limited

Countrywide Credit Corporation Limited

Darlington Building Society

Darlington Mortgage Services Limited

Derbyshire Building Society

Edeus Mortgage Creators Limited

Distinct Mortgages Ltd
Egg Banking PLC

E-Mex Home Funding Limited

Endeavour Personal Finance Limited

Europe Mortgage Company Limited

Family Finance Limited

Finsbury Park Mortgage Funding Limited

First European Securities Limited

First National Mortgage Corporation Limited (formerly Secured Residential Funding PLC)

Firstplus Financial Group PLC

FNCB Limited

FN Mortgages Limited (formerly Abbey National Mortgages PLC)

Future Mortgages 1 Ltd

GE Money Consumer Lending Limited (formerly First National Consumer Finance Limited)

GE Money Home Finance Limited (formerly First National Home Finance Limited)

GMAC-RFC Limited

Green Park Mortgage Funding Limited

Halifax Loans Limited

Halifax Mortgage Services Limited

Hanley Mortgage Services Limited

HFC Bank Limited

HL (2) Limited

HL (3) Limited

HL (4) Limited

HL (5) Limited

HL (6) Limited

HL (8) Limited

HL (9) Limited

Household Mortgage Corporation Limited

HSBC Bank Middle East

HSBC Bank PLC (Mortgage Service Centre, Sheffield; Securities Processing Centres at Birmingham, Cardiff, Isle of Man and Sheffield)

HSBC Bank USA

HSBC Private Bank (UK) Limited (formerly HSBC Republic Bank (UK) Limited)

Hyde Park Mortgage Funding Limited

Ipswich Building Society

Kensington Mortgage Company Limited

Kensington Personal Loans Limited

Lambeth Building Society

LBS Mortgages Limited

Leamington Mortgage Corporation Limited

Leeds Building Society (formerly Leeds and Holbeck Building Society)

Legal & General Bank Limited (Charges vested in Northern Rock PLC by Court Order)

Livingstone Mortgages Limited

Lloyds TSB Bank plc (Scunthorpe Mortgage Unit only)

Lloyds TSB Homeloans Limited

Lloyds TSB Mortgages Limited

Lloyds TSB Scotland PLC

London Scottish Finance Limited

Maes ECP No. 1 PLC

Maes Finance Limited

MBS Lending Limited

Medens Limited

Mortgage Services Funding Limited

Mortgages 1 Limited

National Westminster Bank plc (Staff loans only)

National Westminster Home Loans Limited

Nationwide Building Society

Nationwide Trust Limited

Newbury Building Society

Newbury Mortgage Services Limited

Northern Mortgage Corporation Limited

Northern Rock plc

North Yorkshire Mortgages Limited

Oakwood Homeloans Limited

Pendeford Mortgages No. 1 PLC

Preferred Mortgages Limited

Principality Building Society

Principality Mortgage Corporation Limited

Prudential Lifetime Mortgages Limited

Redstone Mortgages PLC

Richmond Park Mortgage Funding Limited

Scarborough Building Society

Scotlife Home Loans (No. 7) Limited

Scottish Widows Bank plc

Skipton Building Society

Skipton Mortgages Limited

Southern Mortgage Corporation Limited

Southern Pacific Mortgage Limited

Southern Pacific Personal Loans Limited

Standard Life Bank Limited

Standard Life Assurance Limited

State Securities PLC

Sterling Credit Limited

St. James�s Park Mortgage Funding Limited

Stonehaven UK Limited

Stroud and Swindon Building Society

Stroud and Swindon Mortgage Company Limited

Tamar Mortgage Company No. 1 Limited

Tamar Mortgage Company No. 2 Limited

The Co-operative Bank plc

The Mortgage Business plc

The Mortgage Works (UK) PLC

The Royal Bank of Scotland plc (Mortgage Centre, Greenock; The One Account Limited � discharges of The One Account, Virgin One Account, NatWest One Account and Direct Line One Account mortgages only.)

The Standard Life Assurance Company

UBS AG

UCB Home Loans Corporation Limited

United Dominions Trust Limited

Victoria Mortgage Funding Limited

Wave Lending Limited (formerly Freedom Funding Limited)

West Bromwich Building Society

West Bromwich Mortgage Company Limited

Yorkshire Building Society