How Do I Find Out Who My Mortgage Is With?
Check your credit report, which shows the lender your mortgage is registered with, or buy the Land Registry title register for £3, which names whoever holds the legal charge over your home.
At a glance
- Fastest check
- Your credit report
- Definitive
- Land Registry title (£3)
- Also try
- Annual mortgage statement
- Why it changes
- Loan books get sold
- Servicer vs owner
- Can be different firms
Why people lose track
Mortgages are bought and sold. Lenders sell loan books to other institutions, brands get retired after takeovers, and a servicer — the company you actually pay and speak to — can be different from the firm that legally owns the loan.
So the name on your paperwork from years ago may not be the name that matters now. This catches people out at exactly the wrong moment: when they're trying to remortgage.
The two reliable checks
Your credit report shows the mortgage account, who it's with and the balance. It's the quickest route, and it also shows anything else that might affect a remortgage.
The Land Registry title register (£3 on GOV.UK) lists the registered charge against your property and who holds it. That's the definitive legal answer, and useful if the credit report name looks unfamiliar after a sale or rebrand.
- All four agencies — in one report — Experian, Equifax, TransUnion & Crediva
- Spot the errors — and old debts that quietly get applications declined
- It's a soft search — so checking never leaves a mark on your file
- See what lenders see — the same information banks pull when they assess you
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Servicer or owner — and who to contact
If the two records disagree, you're probably looking at a servicer and an owner. It's a normal arrangement, and it decides who you deal with:
- Day-to-day questions — payments, your balance, a payment holiday, arrears — go to the servicer, the name on your statements and direct debit.
- The legal owner appears on the Land Registry title as the charge holder, and matters for the paperwork when you redeem the mortgage or sell.
If your loan was sold and you're now with a lender that doesn't offer new deals — sometimes called being a mortgage prisoner — you may not be offered a new rate internally. That doesn't stop you remortgaging elsewhere, and it's worth checking whether you can, rather than assuming you're stuck on a standard variable rate.
Also worth checking
- Your annual mortgage statement — lenders must send one each year.
- Your bank statements — the direct debit shows who's collecting the payment.
- Your original offer and solicitor's file from the purchase.
Before you remortgage
Knowing the lender is only half of it. You'll also want your current balance, your rate and when it ends, any early repayment charge, and your loan-to-value — which depends on what the property is worth now. Our house value calculator gives a free estimate, and the mortgage calculator shows what different rates would cost.
Frequently asked questions
Why has my mortgage been sold to another company?
Lenders sell loan books for commercial reasons and don't need your permission. Your terms don't change, but the name you pay may.
How do I find out who owns my mortgage?
The Land Registry title register names whoever holds the legal charge over the property, for £3 on GOV.UK. Your credit report also shows the lender the account sits with.
Is the company I pay always the mortgage owner?
No. A servicer administers the loan day to day while another firm owns it. Both can appear in different records, which is why the two can look inconsistent.
Does a mortgage being sold affect my credit score?
No. The account may show under a different name, but the history carries over and the transfer itself isn't a negative marker.
More things your credit file can tell you: Financially linked to an ex? · Do I have a CCJ? · What accounts are in my name? · My previous addresses · Has someone credit-checked me?
Also useful: how to check your credit score for free · what a multi-agency credit report shows · 5 ways to build your credit score
General information only, not financial advice. Free debt help is available from Citizens Advice and StepChange.
