Mortgages and discharges of mortgage

When you buy a property you receive a Certificate of Title, which is a paper copy of an entry in an online register.

If you have a mortgage, the bank holds the Certificate of Title until your mortgage is repaid.

When there is no longer a debt over the property, you will need to register a discharge of mortgage at Land Use Victoria. The online register will be updated and you will receive a new Certificate of Title.

Free forms and guides to a mortgage or discharge a mortgage on a property, and the fees associated with these transactions are available online.

Mortgages and discharges of mortgage can also be lodged and withdrawn online through PEXA (Property Exchange Australia Ltd).

To lodge or discharge a mortgage online you will need to engage a lawyer or licensed conveyancer who is a PEXA subscriber.

Visit PEXA to find a lawyer or conveyancer who is a subscriber.

Changing title details

Changes to information on a title are known as title dealings. Title dealings may cover such things as changing the details of a title, including name and address, the purchase of a property, the death of an owner and mortgage information.

You will need a licensed surveyor and in most instances a lawyer or licensed conveyancer. To find one of these property professionals, refer to the White Pages and search 'conveyancing', 'lawyer' or 'surveyor'.

Common reasons for changing details on a title include:

  • correcting your name and address
  • recent purchase of a property
  • re-mortgaging your property
  • completing your last mortgage repayment
  • the death of an owner.

You can lodge common land dealings yourself, but most are lodged on behalf of clients by conveyancers, lawyers, financial institutions or surveyors familiar with land administration.

To find one of these property professionals, refer to the White Pages and search 'conveyancing', 'lawyer' or 'surveyor'.

Our Forms, guides and fees page for common title dealings has free information online. The guides include information on how to complete our forms.

You can lodge your documents in person at Land Use Victoria.

Lost or destroyed titles

When you buy a property, you receive a Certificate of Title, which is a paper copy of an entry in the online land register.

If you lose your paper Certificate of Title, or it is destroyed, you can apply for a replacement. You may require the services of a lawyer or licensed conveyancer to prepare the application. Detailed evidence and appropriate supporting documents are required.

To replace a Certificate of Title, see Forms, guides and fees

Changing property boundaries

Amending property boundaries on your title can be very complex.

You will need a licensed surveyor and in most instances a lawyer or licensed conveyancer.

Property boundaries on a title can be altered by:

  • applying for an amendment to boundaries under section 26P, Section 9, Section 60 or Section 103 of the Transfer of Land Act 1958.

You might do this if your actual property boundary differs from what is on your land title, or if there are discrepancies in the titles register

  • subdividing land
  • consolidating two or more parcels of land

There are forms and fees associated with altering a property's boundaries. Guides and a checklist available free online will assist in completing the forms and understanding the required documentation.

The Lodging Book also holds some specific applications and their lodging requirements supporting boundary changes under the Transfer of Land Act 1958.

Plans of subdivision and consolidation

Information on subdividing land into two or more parcels of land or consolidating two or more abutting titles to create one title.

Caveats, covenants and easements

Information explaining caveats, covenants and easements.

Adverse possession

Details on the rule of adverse possession and how to apply.