Peterborough office

48 Broadway, Peterborough Cambridgeshire, PE1 1YW

01733 346 333 01733 562 338 enquiries@hegarty.co.uk

Stamford office

10 Ironmonger Street, Stamford Lincolnshire, PE9 1PL

01780 752 066 01780 762 774 enquiries@hegarty.co.uk

Oakham office

66 South Street, Oakham Rutland, LE15 6BQ

01572 757 565 01572 720 555 enquiries@hegarty.co.uk

Market Deeping office

27a Market Place, Market Deeping, PE6 8EA

01778 230 120 01778 230 129 enquiries@hegarty.co.uk
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  • 17 May 2023

    How do I correctly sign my mortgage deed?

    A mortgage deed is a formal, legally binding document that confirms you are entering into a contract with your mortgage provider, secured against your property. 

    To be a deed a document must:

    • Be in writing
    • Make clear that it is intended to be a deed
    • Be validly executed as a deed

    To be validly executed as a deed, each individual must sign the document in the physical presence of a witness. The witness must be an independent person such as a friend, neighbour or work colleague. They cannot be a relative, nor be another party to the deed. The witness must also sign the deed and enter their full name and address. 

    The witness should not be any younger than 18, should it later prove necessary to verify the circumstances under which the execution took place and to avoid any subsequent challenge as to the witness’ reliability or mental capacity based on their age. 

    The same witness may witness each individual signature, but each signature must be separately witnessed.

    Finally, the mortgage deed must be left undated. The date will be entered by your conveyancer once completion has taken place. 

    For more information or advice on signing a mortgage deed, get in touch with us today.

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