Published 15 May 2026 · Reviewed 27 October 2026 · FormLL
If your mortgage broker has come back to you with something unexpected — a Form LL restriction on your property title that needs resolving before your remortgage can proceed — you are probably confused, frustrated, and possibly a little worried about your mortgage offer.
This is a straightforward situation. Here is everything you need to know.
What Your Broker Has Found
When your broker submits your remortgage application, the lender's solicitors review your property title register at Land Registry. If there is a Form LL restriction registered on the title — and there are hundreds of thousands of properties in England and Wales that have one — they will flag it.
The restriction requires a Certificate of Compliance from an independent solicitor before the remortgage can be registered. The lender's solicitor cannot issue this certificate themselves because they are acting on the transaction and are therefore not independent. So they ask your broker to tell you about it and ask you to sort it.
Why Your Broker Cannot Sort It for You
Your broker is authorised to advise on mortgage products. They are not a solicitor and cannot provide legal services. Even if they wanted to help further, the Form LL certificate must come from an SRA-regulated solicitor with specific conveyancing experience. That is simply outside a broker's remit.
What a good broker will do — and what you should expect — is explain the situation clearly, give you a realistic timeline for resolution, and potentially recommend a service that can get it sorted fast. That is where FormLL comes in.
What You Need to Do
The answer is simple: get the Certificate of Compliance from an independent specialist as quickly as possible. The process involves a short video call with a solicitor who verifies your identity against your passport or driving licence, reviews your mortgage offer, and issues a signed certificate. That certificate goes to your lender's solicitor. Your remortgage proceeds.
The whole process takes 3–5 working days on FormLL's standard service, or next working day on Fast Track.
If your broker has told you about this late in the process — with completion approaching — choose Fast Track. The Fast Track premium is insignificant compared to the consequences of a missed completion or an expired mortgage offer.
What to Tell Your Broker
Once you have booked FormLL, let your broker know. Tell them you are using a specialist service, a solicitor will be assigned within 24 hours, and you expect the certificate within 3–5 working days (or next working day if you have chosen Fast Track). This gives your broker the information they need to manage expectations with the lender's solicitor and keep the process moving.
A Note for Mortgage Brokers
If you are a mortgage broker reading this, FormLL offers a simple referral arrangement. When your client has a Form LL restriction, send them to formll.co.uk. We handle everything — they get their certificate fast, their remortgage completes, and you earn a referral fee for every completed case. Email hello@formll.co.uk to set up a referral arrangement.
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