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Have you in any way lost a written mortgage certificate to your property or plot of land? Then you can either apply to cancel the mortgage with the associated mortgage deed or apply to cancel only the mortgage certificate. Here you can read about which option to choose and how to apply.
Application to cancel the mortgage with accompanying mortgage certificate (according to § 20)
To cancel the mortgage certificate according to § 20 of the Act of cancelling a lost document, you need to go through two steps.
Step 1 - Apply for Mortgage cancelling
You can apply for mortgage cancelling via web form or form:
- Apply for Mortgage cancelling via Web Form.
- Apply for mortgage cancelling via form (pdf, new window).
When the application is registered and the payment is received, we begin the processing.
We send notifications to the person who is the contact person in the case. If no contact person is specified, we send the documents to one of the applicants.
Step 2 - Apply for final cancelling
It takes at least six months before the decision to cancelling a mortgage is made. In the decision you can read from which date you can apply for final cancelling of mortgage at the earliest.
How do I apply?
When it is time to apply for final cancelling, fill in the form Application for final Cancellation of Mortgage (pdf, new window).
In the application, you choose whether the mortgages in the property should only be cancelled or whether you applys fpr new mortgages in connection to the cancellation.
Service charge
The stamp duty may be credited for the mortgages that have been cancelled. However, a service charge of SEK 375 per mortgage certificate is paid. If you have several mortgages you can merge them into a new mortgage.
If you choose to remove the mortgage completely from the property, there will be no additional cost.
Application to cencel only the mortgage certificate (according to § 3)
To cancel the mortgage certificate according to § 3 of the Act of cancelling of lost document, you need to go through two steps.
Step 1 - Apply for mortgage certificate cancelling
It is the person who has lost the document who must be the applicant. The applicant must certify that it is the person who last had the document.
If the person who has lost the documents has died, the estate can apply for cancelling. Then the beneficiaries need to certify that the deceased had the mortgage certificate.
How do I apply?
You can apply for a mortgage certificate via the following web form or form:
- Apply for cancel a mortgage certificate via web form.
- Apply for cancel a mortgage certificate via form (pdf, new window).
In the application, describe how the document has been stored and how you have lost it. When the application is registered and the payment is received, we begin the processing.
We send notifications to the person who is the contact person in the case. If no contact person is specified, we send the documents to one of the applicants.
Step 2 - Apply for a new document
It takes at least twelve months before the decision to cancel a mortgage certificate is made. In the decision you can read from which date you can apply for a new document to be issued at the earliest.
How do I apply?
It is the person who has applied for cancelling in the first step who must apply for a new document. You do this via the form Application for issuance of a new document (pdf, new window).
When you apply for a new document to be issued, please indicate if you want the new document as a written mortgage certificate or a digital mortgage certificate .
Application fee
The fee for applying to cancel the mortgage certificate, or to cancel the mortgage with the associated mortgage certificate is SEK 500. Remember to state the full name of the property when paying, it is important for us to be able to link the payment with the application. An example of a property's full name is: "Gävle Torp 1:1".
- Bank transfer 766-6746 or
- Swish to 123 073 4798.
When paying from a foreign bank, enter:
IBAN: SE83 1200 0000 0128 1010 7238
BIC/SWIFT: DABASESX
Questions and answers
The mortgage order is the order in which the various mortgage certificates were mortgaged. The mortgage certificates that were first subscribed are those that must first be repaid in the event of a forced sale, for example.
You can cancel the cancelling process by sending an email to us at forloradepantbrev@lm.se.
Enter the full name of the property or case number. If the withdrawal only applies to part of the case, state which mortgage certificate or mortgage certificates have been found.
If you have any questions, contact us by phone: 026-63 34 00.
Yes, you can convert your written mortgage certificate into a digital mortgage certificate, even if you have not lost your written mortgage certificate. Then the original is saved digitally in Lantmäteriets mortgage register instead.
If, on the other hand, you want to cancel the mortgage certificate, you must instead apply to cancel the existing mortgage certificate. Then the mortgage certificate ceases to be valid and the mortgage itself no longer in the property or the plot of land.
For example, when you want to take out a loan from a bank in connection with buying a property, you may need to use the property as a mortgage, as a security for the loan.
To use the property as a mortgage, the bank usually applies for a new mortgage, if there are not already enough existing mortgage certificates.
By doing so, a certain amount in the property will be given as a mortgage to the person you are borrowing from. It is still you as a property owner or plot right holder who is the applicant and you need to sign the application that the bank submits.
You can also apply for a new mortgage yourself, but then remember to contact your bank to ensure that an application has not already been submitted.
The mortgage is registered in the registration part of the property register following a decision by us. A mortgage certificate is then issued and transferred to the bank.
The mortgage certificate is a document of value and serves as proof that the mortgage has been taken.
This is because applications to cancel the mortgage or mortgage certificate need to be announced on the Swedish Companies Registration Office's website.
Contact
If your question concerns a specific property, remember to state the property's full name with municipality, name and number. An example of a property’s full name is "Gävle Torp 1: 1."
Questions about the application of cancelling
Contact the team for lost mortgage certificates if you have questions about the application of cancelling. You do this via:
- e-mail forloradepantbrev@lm.se
- phone 026-63 34 00.
The team is open weekdays at 9-12 and at 13-16. During holiday periods, deviating opening hours may occur.
For questions about completing the cancelling
Contact Customer Center for questions about completing the cancelling.