Open Nav

Your Expert Guide to Remortgaging

Whole of Market Mortgage Advice Right at Your Fingertips

Read our articles for a wealth of mortgage advice straight from our experts. Wherever you are on the property ladder, we understand that you’ll have plenty of questions about how the mortgage process works and which loan is right for your circumstances right now. For all your questions, big and small, refer to our comprehensive mortgage advice to get the information you’re looking for.

Can’t see what you’re looking for? Browse our Mortgage Advice Hub or contact our mortgage advisors. They’ll be more than happy to assist.

Posted On: September 29, 2021
Updated On: December 23, 2021

Who Can Witness a Mortgage Deed?

Your mortgage deed contains all the details concerning the loan given, including the parties involved, interest rates and the end date.

This deed is usually a 1 – 2 page document that, once signed, is confirmation that you’re happy with the terms of your mortgage offer. It’s a legally binding agreement.

Who can witness a mortgage deed signing?

In order to complete the process of securing a mortgage you will need to sign your mortgage deed in front of a witness.
There are a few criteria for a mortgage deed witness in the UK, the witness needs to be:

  • 18 or over
  • Not a relative
  • Not party to the mortgage or living in the property

In other words they cannot be a minor and must be independent. Even with an electronic signature, your witness must be physically present to watch you sign the document.

Can a mortgage advisor be a witness?

Dependent on who your lender is, a mortgage advisor may not be an acceptable witness.

Can a friend be a witness?

Yes, a friend can be a witness as long as they are not party to the mortgage or living in the property as mentioned above.

What happens once you’ve signed the deed?

Once you’ve signed the deed you simply need to send it to your conveyancer or mortgage lender. For convenience, you are able to sign the deed in the comfort of your own home. You also have the option to sign on from your computer or mobile phone rather than wait for the documents to arrive in the post. This can help speed up the process and get you moving into your new home that little bit sooner.

The mortgage deed will be sent to the email address you provided to your conveyancer – all you have to do is follow the instructions.

Contact Agentis today to arrange your free initial mortgage consultation. We deal with a wide range of mortgages and mortgage-related products. As ‘Whole of Market’ brokers we can help find the best rates for your circumstances and we strive to make the process of securing a mortgage as hassle-free as possible.