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What is a Mortgage Deed?


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Residential Sales – Selling Your Property

A man holding a small house in his hand and mortgage deeds on the counter with a calculator.
What is a Mortgage Deed?

A mortgage deed is a legal document that grants a money lender security against a property they have a loan out on. When you are purchasing a new home, you will have a Solicitor looking after the Title/Deeds on the property you are looking to purchase. A title is a document that shows legal ownership of an asset or property. A deed is a signed legally binding document that transfers ownership of a property from one person to the other.

What is a Mortage?

A mortgage is when someone wants to purchase a property but, they might not have the full amount, or they decide to borrow as they do not wish to put all their money into the property they are seeking to buy; so they will apply for a loan from a bank or lending institution. If the bank agrees to loan you the money, they will have a mortgage deed against the property. This is a legally binding document and it’s enforceable by law. The deed will provide the lender with security against the property, this will last until the day the borrower has made the final payment back to the bank. If the borrower for whatever reason is unable to pay back the loan, the mortgage deed against the property may grant the lender the legal right to foreclose or take ownership of the property. This is a sticky subject in Ireland and it is rare that someone is forced out of their home.

If you are looking for a mortgage, compares banks in Ireland and it gives you the cheapest rates on offer.

As you are reading about this topic, we have other new articles that relate to this on The Local Property Tax and The Land Registry Fee you should check them out next.

Phil Thompson

Phil Thompson, Sales Director.

I get asked by South County Dublin Home Sellers how to get the best price for their home all the time!

So, if you are struggling to know what your home could achieve in the market right now and would like some clarity, fill out the form below for a 10-minute call.

What Phil’s happy customers say …

“…which literally added tens of thousands to the price achieved


We achieved a sale price far in excess of what we expected


“… helping us achieve the best possible result for the sale


There is no obligation to engage our services once you receive your phone property consultation from Phil

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