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Statements and Deeds

During your mortgage you might receive a number of statements; including:

  • Annual statement
  • Payment history statement
  • Interest certificate
  • Redemption statements
  • Deeds

See Details below for further information about each and how you can request them. Alternatively, please call us on 0345 300 8000* and we’ll take you through your options.

Annual statement

This is a record of all payments on your account throughout the financial year. It is free, and we send it once a year to show you your opening and closing balance. You can also see how much you still owe. This can't be used as a figure to fully repay your loan as it won’t include any charges that may be due. If you are in a position to repay your mortgage in full, then you'll need to request an up to date redemption statement.

Your annual statement can be used for tax purposes or to prove that you've maintained payments on the account. Make sure you keep this safe as there will be an administration fee for extra copies. Review all of the details in our Tariff of Mortgage Charges (PDF).

You can request your annual statement in a different format such as Braille, large print and audio CD. Simply call us on 0345 300 8000* (Monday to Friday 9am - 5pm).

Payment history statement

This is an interim mortgage statement; it will detail all payments due and received on your account. It won't show any balance outstanding. You can use this as proof that you've maintained the payments on your account. If you require a payment history statement there is an administration fee that will apply. For more details please see our Tariff of Mortgage Charges (PDF).

Interest certificate

This is a certificate, which shows interest charged on your account for a specified financial year. You can provide this to your accountant for tax purposes. To request a certificate simply call us on 0345 300 8000* or write to: Mortgage Customer Services Department, Bank of Ireland, PO Box 3191, 1 Temple Quay, Bristol, BS1 9HY; with the appropriate fee enclosed. For further details please see our Tariff of Mortgage Charges (PDF).

Redemption statement

Your redemption statement tells you how much needs to be repaid to close your mortgage account(s). This will include your balance that is outstanding and any fees and charges you will need to pay.

Deeds

These are legal documents that confirm who legally owns the property. If your mortgage completed after June 2001, we may not retain your deeds as they may be held electronically by the Land Registry.

If you need to obtain a copy of your deeds prior to redemption, your solicitor can request this by writing to: Mortgage Customer Services Department, Bank of Ireland, PO Box 3191, 1 Temple Quay, Bristol, BS1 9HY. We will be able to send the deeds to your solicitor providing they are on our panel of approved firms. An administration fee may apply - please see our Tariff of Mortgage Charges (PDF) for details.

If you have decided to fully redeem your mortgage without the help of a solicitor, you can download our Title Document Release Authority Form (PDF) and send the completed form to us at the above address. Alternatively, just contact us on 0345 300 8000* (Monday to Friday 9am – 5pm) and we'll send you a copy of the form you’ll need with your redemption statement. Once your account has been paid off in full the deeds will be sent to the address on your form.

Read our Frequently Asked Questions for more information on managing your mortgage.

To request a statement or deeds, please call 0345 300 8000* (Monday to Friday 9am – 5pm) or email us at mortgage.services@boipluk.co.uk