Cancel a Santander, Popular or Banesto mortgage at the Land Registry

Santander is today the creditor of the mortgages of Banco Popular, Banco Pastor, Banesto and Banif. Calculate the cost of cancelling yours and we handle it without you having to sign.

Cancelling a paid-off mortgage with Banco Santander

Banco Santander describes its own procedure on its website: the zero debt certificate is requested for loans already economically cancelled, it is free of charge and, at the customer's request, the bank forwards the cancellation request to the Colegio de Notarios (Association of Notaries) so that you can choose a notary office, also through the Portal Notarial del Ciudadano. The notary office then prepares the deed, subject to a provision of funds, and it is registered at the Registry.

That process works well when Santander's system identifies the mortgage without any doubt. When the deed is from Banco Popular, Banco Pastor, Banesto or a regional bank of the former Popular group, or the loan was paid off many years ago, it usually has to be traced first. That is where we add the most value: we identify the loan, trigger the request and coordinate the notary office and the Registry.

How cancellation works with Santander

We combine the procedure described by the bank itself with the coordination of the notary office and the Registry. Timescales are for guidance only.

1. 1
   Check that the loan is closed

   Santander issues the certificate for economically cancelled loans. If you have repaid recently, we verify that the closure is already on the bank's records before requesting anything.
2. 2
   Zero debt certificate

   According to the bank, it involves no cost. It must identify the loan and the property; if the mortgage comes from Popular, Pastor or Banesto, we check that it refers to the mortgage that is recorded at the Registry.
3. 3
   Referral to the notaries

   At the customer's request, Santander sends the request to the Colegio de Notarios and the notary office is chosen freely, also through the Portal Notarial del Ciudadano. We make sure the instruction reaches a licensed notary office we work with.
4. 4
   Deed executed by the bank

   The Santander attorney-in-fact executes the acknowledgement of payment and cancellation. You do not sign; the notary office only asks for the provision of funds, which we detail for you in advance.
5. 5
   Registration and delivery

   We file the tax return with the exemption and the deed at the Registry, and send you the registry extract without the mortgage.

Entities integrated into Santander

These are the entities that appear most often in deeds that Banco Santander cancels today:

Common problems with Santander and how we avoid them

Frequently asked questions about cancelling with Santander

From your request to a property free of charges

The whole process, without leaving home

Clients who already cancelled their mortgage