Yes — a Form LL restriction does not stop you from remortgaging. It simply requires one additional step: an independent solicitor must verify your identity and issue a Certificate of Compliance. Once you have that certificate, your remortgage proceeds exactly as normal.
If you have been told there is a restriction on your title register and you are worried it might prevent your remortgage from completing, this page explains exactly what is happening, what you need to do, and how quickly it can be resolved.
A Form LL restriction prevents Land Registry from registering any transaction on your property without a Certificate of Compliance. It does not stop you from applying for a mortgage, receiving a mortgage offer, or instructing solicitors. The restriction only becomes relevant at the point of Land Registry registration — the final step of the remortgage process.
This means your remortgage can proceed completely normally right up until that final registration step. The certificate simply needs to be in place by that point.
Think of it like a locked door at the end of the process. The certificate is the key. Everything else proceeds as normal — you just need to get the key cut before you reach the door.
The most common source of confusion is this: your remortgage solicitor tells you they cannot issue the certificate. This is not them being unhelpful. The Form LL restriction specifically requires an independent solicitor — one with no connection to the transaction. Your remortgage solicitor acts for your lender and is therefore not independent. They need a certificate from outside the transaction.
Standard service: 3–5 working days from booking to certificate. Fast Track: guaranteed next working day. In most cases the entire process — from booking FormLL to certificate in your inbox — takes less than a week on standard service and less than 24 hours on Fast Track.
Mortgage offer close to expiry? Choose Fast Track. The £80 extra is nothing compared to the cost of a failed remortgage, reapplication fees, and potentially a higher rate. Do not risk it.
Almost certainly not. Solicitors typically flag title issues well before the completion deadline. Even if you are within two weeks of completion, standard service (3–5 days) should be sufficient. If completion is within the next few days, book Fast Track immediately.
Very. Most people do not know they have a Form LL restriction until their solicitor flags it during a remortgage or sale. The restriction was almost certainly added when you bought the property — often automatically by your purchase solicitor as fraud protection — and there is no reason you would have been notified about it since.
Yes, as long as it remains on your title. Each remortgage requires a fresh certificate. The certificate satisfies the restriction for that specific transaction only. If you want to avoid this permanently, the restriction can be removed via a Land Registry application — though this also removes the fraud protection it provides.
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