Can I Remortgage With a Restriction on My Title Register?

Published by FormLL · England & Wales · Last updated May 2026

The short answer: Yes. A Form LL restriction does not prevent you from remortgaging. It simply requires one additional step — a Certificate of Compliance from an independent solicitor — before the remortgage can be registered. Once you have that, your remortgage proceeds normally.

What the Restriction Actually Does

A Form LL restriction prevents Land Registry from registering any transaction on your property without a Certificate of Compliance. It does not stop you applying for a mortgage, receiving a mortgage offer, or instructing solicitors. The restriction only becomes relevant at the final Land Registry registration step.

Your remortgage can proceed completely normally right up until that final step. The certificate simply needs to be in place by that point.

Why Your Remortgage Solicitor Cannot Sort It

The Form LL restriction requires an independent solicitor — one with no connection to the transaction. Your remortgage solicitor acts for your lender and is therefore not independent. You need a completely separate specialist firm. That is what FormLL provides.

What to Do

Book FormLL today — a specialist is confirmed within 24 hours
Provide your mortgage offer — forward it to the assigned solicitor
15-minute video call — passport or driving licence, from anywhere
Certificate emailed to you — forward to your remortgage solicitor, done

How Long Will It Take?

Standard service: 3–5 working days from booking. Fast Track: guaranteed next working day. The process is fast when you use the right specialist from the start.

Pricing

Standard — specialist confirmed within 24 hours: 3–5 working days
Fast Track — urgent same-day service available: Guaranteed next working day

Restriction on your title? Remortgage ready to go?

FormLL gets you the certificate you need. Specialist confirmed in 24 hours.

Request Free Callback Fast Track — guaranteed next working day — £240

I wasn't aware I had a restriction — is this common?

Very. Most people discover the restriction when their solicitor flags it during a remortgage. It was almost certainly added when you bought the property — often automatically by your purchase solicitor as fraud protection.

Will the restriction cause problems every time I remortgage?

Yes, as long as it remains on your title. Each remortgage requires a fresh certificate. If you want to avoid this permanently, the restriction can be removed via a Land Registry application — though this also removes the fraud protection.