If you have a Form LL restriction on your property title and you are remortgaging, your lender's solicitor will require a Certificate of Compliance — sometimes called a disponor letter — before they can register the new mortgage at Land Registry. This applies regardless of which lender you are moving to or how straightforward the remortgage itself might be.
This page explains exactly what you need, how the process works alongside your remortgage, and how to get the certificate as quickly as possible.
Mortgage offer expiring soon? Mortgage offers typically have a validity window of 3–6 months. If yours is close to expiry, act immediately. Every day spent searching for the wrong solicitor brings you closer to losing your rate. Fast Track guarantees your certificate by next working day.
When you remortgage, your lender's solicitors submit the new mortgage to Land Registry for registration. If there is a Form LL restriction on your title, Land Registry will not register the mortgage unless a Certificate of Compliance accompanies the application. No certificate means no registration. No registration means your remortgage cannot legally complete.
This is a Land Registry requirement, not a lender policy. Every lender — from the biggest high-street banks to specialist lenders — faces the same requirement on any property with a Form LL restriction.
All of them. If there is a Form LL restriction on your title, it applies regardless of your lender. The most common lenders whose panel solicitors encounter this include:
Your lender's panel solicitor — whether that is Optima Legal, Integra, or any other firm — acts for your lender in the remortgage. They cannot also act as the independent verifier for the Form LL certificate because they are a party to the transaction. The independence requirement is absolute: the certificate must come from a solicitor with no connection to the remortgage itself.
This is the point at which most people get stuck. Their remortgage solicitor tells them they need a certificate but cannot provide one themselves, leaving the homeowner to find an independent specialist firm — which is exactly what FormLL does.
Fast Track compresses this to next working day — the video call happens on day one and the certificate is issued the same day.
Once you receive the certificate by email, forward it to your remortgage solicitor or their case handler. They will include it in the Land Registry application alongside the mortgage deed. Land Registry reviews the certificate, confirms the restriction is satisfied, and registers the new mortgage. Your remortgage is then complete.
You do not need to send anything directly to Land Registry — your remortgage solicitor handles that part.
Specialist confirmed within 24 hours. Certificate in days. Forward it to your solicitor and complete.
Get Your Certificate — £160 Fast Track guaranteed next working day — £240Unfortunately yes, for general conveyancing firms. Form LL verifications are a specialist area and many solicitors who handle routine remortgages rarely encounter them. If your remortgage solicitor is unfamiliar with the process, they can refer to Land Registry Practice Guide 19, section 3.1.5.5. The certificate FormLL provides is fully compliant with Land Registry requirements.
Yes. The Certificate of Compliance satisfies the restriction for this specific remortgage transaction only. The restriction remains on your title register and will need to be satisfied again for any future remortgage or sale. If you want to remove it permanently, that is a separate application to Land Registry and takes several months.
Very. Your broker is right to chase. If the certificate is not obtained before your mortgage offer expires, you will need to reapply — with new credit checks and no guarantee of the same rate. Book Fast Track if your completion date is within the next week.