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As the registered owner of a property / site leasehold you can request a printout of an electronic mortgage certificate and receive it as a written mortgage certificate. You can also request for the electronic mortgage certificate to be registered to Land registration.
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There is a difference depending on who is applying
When a bank applies for a mortgage in connection to mortgaging the property, the electronic mortgage certificate is registered to the bank’s mortgagee number.
If you apply for the mortgage yourself and you want an electronic mortgage certificate, then it will be owner registered and administered by Lantmäteriet.
Owner registered mortgage certificates are accessible for the registered owner of the property / site leasehold. Users who are connected to the Electronic mortgage certificate system can also register owner registered mortgage certificates to their mortgagee number if they have an agreement with the registered owner of the property / site leasehold.
I want a printout of an electronic mortgage certificate
As the registered owner of a property / site leasehold you can request to have an owner registered electronic mortgage certificate as a written mortgage certificate instead. You make your request by filling out the form.
If you have a written mortgage certificate that you would like to exchange for an electronic mortgage certificate, then you need to apply to convert mortgage deed instead.
To register an owner registered electronic mortgage certificate to Land registration
If you have applied to make a change in an existing mortgage by for example cancellation or exchange and have used our form “ Application for new mortgage or cancellation of existing mortgage/ notice about holder of mortgage certificate/ exchange of mortgage certificate” then you have through your signature given us approval to register an owner registered mortgage certificate to Land registration and you do not need to make a separate request to have the mortgage certificate registered to Land registration.
If you have applied in another manner then you have to you use the form Request for owner registered mortgage certificate to be registered to Land registration (pdf, new window).
If you wish to know if an electronic mortgage certificate is owner registered, then you are welcome to contact our Section for support to the electronic mortgage system by phone; +46(0)26-63 48 00.
If the mortgage certificate is mortgaged and registered to the mortgagee number of the lender, then as the registered owner of the property / site leasehold you need to contact the lender and ask them to register the mortgage certificate to Land registration.
Do you have questions regarding electronic mortgage certificates?
Contact our Section for support to the electronic mortgage system by e-mail pantbrev@lm.se or by phone +46 (0)26-63 48 00.
Opening hours; weekdays 9 am – noon and 1 pm -4 pm. During holiday season there may be a variation in the opening hours, see information on our web site.
If your question is regarding a specific property then remember to give us the official property designation with the municipality, name, and number (for example Gävle Torp 1:1).
Questions and answers about mortgage deeds
Today most Swedish banks and credit institutes are connected to the Electronic mortgage certificate system and have their mortgage certificates in digital form (electronic mortgage certificates). Read more about the Electronic mortgage certificate system. Individuals cannot be connected to the system which means that an individual or a company who is not connected to the Electronic mortgage certificate system need to have mortgage certificates on paper as written mortgage certificates if they wish to have it as safety.
Information about who is holding a mortgage certificate is placed under secrecy, except for the owner registered ones. The registered owner of the property / site leasehold always has the right to take part of the information about where mortgage certificates are registered. The information can only be received by post (or digital mailbox for post from government agencies). The registered owner of the property / site leasehold can request an extract from the Electronic certificate register or by contacting the Electronic mortgage certificate register by phone +46(0)26-63 37 00.
Real estate agents with a commission or anyone who has a power of attorney can also receive information about holder of mortgage certificates by post if they contact the Electronic mortgage certificate register.