Cancel Your Mortgage 100% Online

The Payment Certificate is the document issued by the bank certifying that you have fully paid the mortgage debt. It is a private document between you and the financial institution.

The Cancellation Deed is the public document granted before a notary that legally formalizes the extinction of the mortgage. This is the document submitted to the Property Registry to cancel the registry lien.

Both documents are necessary: the Payment Certificate proves payment, and the Cancellation Deed legally formalizes it so it has effects against third parties.

No. Even if you have fully paid the loan, the mortgage is not automatically cancelled in the Property Registry.

You need to complete the registry cancellation procedure through a public deed before a notary. Until the cancellation is registered at the Registry, your property will continue to appear as mortgaged, which can create problems for selling, donating, or conducting transactions with the property.

The complete process usually takes approximately 3 to 6 weeks, depending on various factors:

• Deed signing: 24-48 hours from when you send us the documentation
• Submission to the Registry: 2-3 business days after signing
• Registry registration: 15-30 business days (depends on the Registry's workload)

We keep you informed at each stage of the process so you know exactly where your procedure stands.

Yes, absolutely. Our service is specially designed for people who reside abroad.

The entire process is done digitally via video conference with the notary, without the need to travel to Spain. You only need an internet connection and a device with a camera for digital signing.

We have managed mortgage cancellations for clients in more than 30 different countries.

The basic documentation you will need is:

• Payment Certificate issued by the bank (certifying that the debt is settled)
• Valid ID or passport of the mortgage holder
• Original mortgage deed (or registry reference if you don't have it)
• Simple note from the Registry of the property (optional, we can request it)

If you're missing any document, contact us and we'll help you obtain it.

The total cost includes:

• Notarial fees for the cancellation deed (set by tariff)
• Property Registry fees for registration
• Notario.org management for complete processing

We provide a detailed quote with no obligation before starting the procedure. All costs are transparent and we inform you in advance if there are any additional Registry disbursements.

The price varies according to the amount of outstanding principal to be cancelled as recorded in the Registry.

Disbursements are the costs and fees charged by the Property Registry for registering the cancellation.

These amounts are regulated by law and calculated based on the outstanding principal recorded in the Registry. In some cases, especially with old mortgages or complex clauses, the Registry may require additional fees.

At Notario.org we inform you of the estimated amount before starting the procedure. If there are differences, we notify you before making any additional payment.

By law, the bank is required to provide the Payment Certificate free of charge within a maximum of 15 business days from when you settle the debt.

If the bank delays or refuses, we can help you claim it. In extreme cases, there is the possibility of pursuing a unilateral cancellation procedure, although this process is longer and more expensive.

It is common for banks to cooperate, but if you have problems obtaining the Payment Certificate, contact us and we will advise you on the steps to follow.

Yes, there is no time limit. You can cancel mortgages that were paid off decades ago, as long as you have the bank's Payment Certificate or can obtain it.

It is common to find properties with mortgages that were paid 10, 20, or even 30 years ago but were never cancelled at the registry. The procedure is the same, although it may sometimes require additional documentation.

If the original bank no longer exists (due to mergers or acquisitions), we help you locate the successor entity that must issue the Payment Certificate.

It is not legally mandatory, but it is highly recommended for several reasons:

• If you want to sell, donate, or transfer the property, you will need to have it free of liens
• If you want to request a new mortgage on the property, banks will require it to be cancelled
• It avoids confusion and future legal problems with heirs or buyers
• It is your right to have the property registered as free once the debt is paid

Even if you don't have immediate plans, it's better to cancel it as soon as possible to avoid future complications.

No. The Cancellation Deed is normally granted only by the creditor (the bank) or can be done through unilateral cancellation by presenting the Payment Certificate.

In most cases, the bank has already issued its consent through the Payment Certificate, so their physical presence at the notary's office is not required.

We manage all necessary coordination with the financial institution so you only have to sign digitally via video conference.

If the mortgage has multiple holders (for example, a married couple or several co-owners), all those listed as mortgage debtors must participate in the cancellation.

With our online service, we can manage the digital signing for all holders through individual or joint video conferences, as you prefer.

If any holder has passed away, resides abroad, or cannot appear, there are legal solutions (such as notarial powers of attorney) that we can implement to facilitate the procedure.