From 1st July the Council of Mortgage Lenders is integrated into a new trade association, UK Finance. For the time being, all UKF mortgage information will continue to be published on this website, and UKF member-only mortgage information will only be available here.

UK Finance represents around 300 firms in the UK providing credit, banking, markets and payment-related services. The new organisation takes on most of the activities previously carried out by the Asset Based Finance Association, the British Bankers’ Association, the Council of Mortgage Lenders, Financial Fraud Action UK, Payments UK and the UK Cards Association. Please go to www.ukfinance.org.uk for wider content and updates from UK Finance.

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Question: 17.2.1. Does the lender send the discharge via a DS 1 form or direct with the Land Registry?

Lender Answer
Accord Buy to Let Via a DS1 Form.
Accord Mortgages Ltd Direct with the Land Registry.
Adam & Company DS 1 form
Adam & Company International DS 1 form
Ahli United Bank (UK) plc via a DS1 form
Aldermore Bank PLC Land Registry.
Allied Irish Bank (GB), a trading name of AIB Group (UK) DS 1 form
Atom Bank plc Direct with the Land Registry
Aviva Equity Release UK Ltd We discharge directly with the Land Registry using e-DS1.
Bank of Ireland (UK) plc Direct with the Land Registry.
Bank of Ireland as Bank of Ireland Mortgages Direct with the Land Registry.
Bank of Scotland Beginning A By way of electronic discharge or EDS1. Where applicable, you should include on your AP1 application to the Land Registry that the charge is being discharged by electronic discharge.
Bank of Scotland Beginning O DS 1 form
Barclays Bank UK PLC Direct with the Land Registry
Barnsley Building Soc, a trading name Yorkshire Building Soc Direct with the Land Registry.
Birmingham Midshires Land Registry by way of electronic discharge or EDS1. Where applicable, you should include on your AP1 application to the Land registry that the charge is being discharged by electronic discharge.
Bluestone Mortgages DS1 form.
Bradford & Bingley Plc From 4th January 2010 discharges will be by way of EDS1 or DS3 (for sale of part).
Britannia, a trading name of The Co-operative Bank plc DS1 form - Only on Police Affordable Housing charges. All other charges see below:
Direct with the Land Registry - by EDS1 for registered mortgages. Please confirm the title number and date of our charge when sending the redemption monies.
Buckinghamshire Building Society Direct with the Land Registry by EDS1 for registered title. Please confirm title number and date of charge when sending the redemption monies.
Capital Home Loans DS 1 form
Chelsea Building Society (a trading name of Yorkshire BS) Direct with the Land Registry
Clydesdale Bank plc Yes, we do send the discharge via a DS 1 form but not direct with the Land Registry.
Co-operative Bank plc Direct with the Land Registry by way of electronic discharge or EDS1. Please confirm the title number and date of our charge when sending the redemption monies.
Coutts DS 1 form
Coutts Finance Co DS 1 form
Coventry Building Society Direct with the Land Registry
Cynergy Bank DS1
Darlington Building Society Electronic-DS1 via Land Registry Direct.
DB UK Bank Ltd Discharge sent via EDS1 directly with the Land Registry
Dudley Building Society Direct with the Land Registry
Earl Shilton Building Society Land Registry by means of an eDS1 (ie electronically).
Ecology Building Society Direct with Land Registry
Family Building Soc (a trading name of National Counties BS) By electronic discharge direct with the Land Registry. Please confirm the title number and date of charge when sending the redemption monies. Where applicable, please include on the AP1 application to the Land Registry that the charge is being discharged by electronic discharge. If electronic discharge is not possible, we will request a Form DS1.
Fleet Mortgages DS1 form.
Foundation Home Loans Directly with the Land Registry.
Furness Building Society e - DS 1 form
GE Money Home Lending Ltd Once the account is fully repaid, GE Money will instruct our panel Solicitors to discharge our security within 28 days direct to the land registry. Please note GE Money do not require the repaying party to provide the END1/DS1 discharge documents.
Godiva Mortgages Ltd Direct with the Land Registry.
Habito EDS1 via Land Registry
Halifax Land Registry by way of electronic discharge or EDS1. Where applicable, you should include on your AP1 application to the Land registry that the charge is being discharged by electronic discharge.
Halifax Loans Ltd Land Registry - Discharge to Halifax Loans Limited, Trinity Road, Halifax, HX1 2RG
Repayment funds must be sent electronically to the account details set out in the redemption statement. With effect from 01/08/08 cheques will not be accepted.
Hampden & Co. plc DS1 form.
Handelsbanken DS1 form
Harpenden Building Society A DS 1 form
Hinckley and Rugby Building Society No.

Yes, EDS1.
Hodge Equity Release DS1 Form
Hodge Life DS1 form
Holmesdale Building Society Yes.
We do not send direct with the the Land Registry.
HSBC UK Bank plc We send the discharge direct with the Land Registry
Intelligent Finance Direct with the Land Registry
Investec Bank plc A DS1 form.
ITL Mortgages We do not send the discharge via a DS 1 form, we do send direct with the Land Registry
JPMorgan Chase Bank, N.A. Yes. We do not send direct with the Land Registry.
Kensington Mortgage Company Ltd We use the ENDs system direct with the Land Registry.
Kent Reliance (a trading name of OneSavings Bank plc) Direct with the Land Registry
Keystone Property Finance Directly with Land Registry
Landbay Directly with the Land Registry
Landmark Mortgages Limited A DS 1 form in exceptional circumstances.

Direct with the Land Registry, except for a discharge of part which will be dealt with by way of a DS3.
Leeds Building Society Yes. We send direct to the Land Registry by way of electronic discharge or EDSI (from 9/12/10).
Legal & General Home Finance Ltd Discharge effected electronically by e-DS1.
LendInvest DS1 form
Lloyds Bank plc pre fixed 20/40 Land Registry by way of electronic discharge or EDS1. Where applicable, you should include on your AP1 application to the Land registry that the charge is being discharged by electronic discharge.
Lloyds Bank plc pre fixed 50/30/77 Land Registry by way of electronic discharge or EDS1. Where applicable, you should include on your AP1 application to the Land registry that the charge is being discharged by electronic discharge.

Lloyds TSB Scotland plc Land Registry by way of electronic discharge or EDS1. Where applicable, you should include on your AP1 application to the Land registry that the charge is being discharged by electronic discharge.

M&S Bank we send the discharge direct with the Land Registry
Magellan Homeloans Direct with the Land Registry
Manchester Building Society Form DS1
Market Harborough Building Society We send the DS1 direct to the Land Registry
Masthaven Bank DS1 form.
Metro Bank plc Direct with Land Registry
Molo Finance Buy to Let Mortgages Via a DS1 Form
Monmouthshire Building Society Direct with the Land Registry.
Mortgage Agency Services DS1 - Yes
Direct with the Land registry - NO
Mortgage Express DS1 form (or a DS3 form for part of a title).
Mortgage Express No 2  
National Counties Building Society By electronic discharge direct with the Land Registry. Please confirm the title number and date of charge when sending the redemption monies. Where applicable, please include on the AP1 application to the Land Registry that the charge is being discharged by electronic discharge. If electronic discharge is not possible, we will request a Form DS1.
National Westminster Bank plc Yes. With effect from January 2010 wherever possible we will endeavour to submit an Electronic DS1 to HM Land Registry within a reasonable timescale.
Nationwide Building Society The majority of cases are now dealt with direct at land registry, with just a few cases requiring a DS1 form when the records have not been updated at the land registry (e.g. some ex-regional brands or ex-Portman accounts).
Nedbank Private Wealth Ltd We will issue for DS1 to you.
New Street Mortgages We use the ENDs system direct with the Land Registry
NRAM Ltd A DS1 form in exceptional circumstances.

Direct with the Land Registry, except for a discharge of part which will be dealt with by way of a DS3.
Paragon Buy to Let Mortgages e-DS1
Paragon Residential Owner-Occupied Mortgages EDS1.
Paratus AMC Ltd Directly with Land Registry.
Parity Trust Direct with the Land Registry
Pepper Money Online to Land Registry
Pepper Money (PUK) Online to Land Registry
Platform (a trading name of The Co-operative Bank p.l.c.) Direct with Land Registry by EDS1. Please confirm the title number and date of our charge when sending confirmation redemption monies have been sent.
Precise Mortgages (Charter Court Financial Services Ltd) Direct with the Land Registry.
Principality Building Society We discharge directly with the Land Registry using e-DS1 therefore a DS1 form is not required. Repayment remittence is required in writing and should be sent to the address above.
Rooftop Mortgages Ltd Yes, we do not send direct with the Land Registry.
Saffron Building Society DS1 form
Sainsbury's Bank DS 1 form.
Santander UK plc Please see your instructions.
Scottish Building Society DS1 Form
Scottish Widows Bank Land Registry by way of electronic discharge or EDS1. Where applicable, you should include on your AP1 application to the Land registry that the charge is being discharged by electronic discharge.
Secure Trust Bank PLC Land Registry.
Skipton Building Society No - we use EDS1 direct to Land Registry.
St James Place Bank We do not send the discharge via a DS1 form, we send direct with Land Registry.
State Bank of India UK DS1.
Swansea Building Society If requested we will send a DS 1 form, we do send direct with the Land Registry.
Tesco Bank (a trading name of Tesco Personal Finance plc) We send notification directly to the Land Registry via EDS-1.
The Mortgage Business By way of electronic discharge or EDS1. Where applicable, you should include on your AP1 application to the Land Registry that the charge is being discharged by electronic discharge.
The Mortgage Lender Limited DS1 form.
The Mortgage Works DS 1 form to Accounting Servicing
The Royal Bank of Scotland plc Yes. With effect from January 2010 wherever possible we will endeavour to submit an Electronic DS1 to HM Land Registry within a reasonable timescale.
The Royal Bank of Scotland plc Direct Line Mortgages Yes. With effect from January 2010 wherever possible we will endeavour to submit an Electronic DS1 to HM Land Registry within a reasonable timescale.
The Royal Bank of Scotland plc Direct Line One Yes. With effect from January 2010 wherever possible we will endeavour to submit an Electronic DS1 to HM Land Registry within a reasonable timescale.
The Royal Bank of Scotland plc First Active Yes. With effect from January 2010 wherever possible we will endeavour to submit an Electronic DS1 to HM Land Registry within a reasonable timescale.
The Royal Bank of Scotland plc Natwest one Account Yes. With effect from January 2010 wherever possible we will endeavour to submit an Electronic DS1 to HM Land Registry within a reasonable timescale.
The Royal Bank of Scotland plc One Account Yes. With effect from January 2010 wherever possible we will endeavour to submit an Electronic DS1 to HM Land Registry within a reasonable timescale.
The Royal Bank of Scotland plc Virgin One Yes. With effect from January 2010 wherever possible we will endeavour to submit an Electronic DS1 to HM Land Registry within a reasonable timescale.
The Tipton & Coseley Building Society No, Yes via e-DS1.
Together Personal Finance Limited Lender uses E-DS1 system.
Topaz Finance Ltd We do send via DS 1 and direct with the Land Registry.
TSB Bank plc Land Registry by way of EDS1.
Ulster Bank Ltd Yes.
Vida Homeloans DS 1 Form
Virgin Money Direct with Land Registry for the majority of mortgages. In exceptional circumstances, we may need to use a DS1.
Whistletree (a trading name of TSB Bank plc) A DS 1 form in exceptional circumstances.

Direct with the Land Registry, except for a discharge of part which will be dealt with by way of a DS3.
Yorkshire Bank Home Loans Ltd We do send the discharge via DS 1 form, we do not send to the Land Registry.
Yorkshire Building Society Direct with the Land Registry.
Zephyr Mortgages We send via DS 1 and direct with the Land Registry.