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 can be obtained from any district land egistry.

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
• Co-operative Bank plc, The
• Countrywide Credit Corporation Limited


• Darlington Building Society
• Darlington Mortgage Services Limited
• Derbyshire Building Society
• Distinct Mortgages Ltd


• Edeus Mortgage Creators Limited
• 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 Business plc, The
• Mortgage Services Funding Limited
• Mortgage Works (UK) PLC, The
• 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
• Royal Bank of Scotland plc, The (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.)


• 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 Company, The
• 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


• 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