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A Release of Mortgage happens when your bank or lender officially declares that you've fully paid off your home loan in Denmark. It's the legal document that removes the bank's claim on your property and proves you're now the full owner, free and clear of the original mortgage debt.

Under Danish property law, this release must be properly registered with the Land Registry (Tinglysning) to be valid. Once registered, it cancels the mortgage note (pantebrev) and updates public records to show there's no longer any loan secured against your property. This step is crucial when you want to sell your home or take out a new mortgage with a different lender.

You need a Release of Mortgage when you've paid off your Danish home loan completely and want to clear your property's title. This commonly happens at the end of your mortgage term, when selling your home, or if you're refinancing with a new lender. Getting this release promptly helps avoid complications with future property transactions.

Having your Release of Mortgage properly registered with the Danish Land Registry becomes essential when applying for new financing, transferring property ownership, or proving your clear title to potential buyers. Many Danish homeowners also request it immediately after making their final payment to maintain clean property records and prevent any future title disputes.

• Full Release: The standard form filed with the Danish Land Registry when a mortgage is completely paid off, clearing all claims against the property
• Partial Release: Used when only releasing a portion of mortgaged property, common in land subdivisions or partial property sales
• Electronic Release (Digital Tinglysning): The modern online version submitted through Denmark's digital property registry system
• Satisfaction of Mortgage: An alternative term for release documents, particularly used with international lenders operating in Denmark

• Mortgage Lenders: Banks and credit institutions in Denmark prepare and issue the Release of Mortgage after receiving final payment
• Property Owners: Homeowners or business property owners who have paid off their mortgage and need proof of clear title
• Land Registry Officials: Staff at Tinglysning who process and record the release in Denmark's property records
• Real Estate Attorneys: Legal professionals who verify and handle the release documentation during property transactions
• Title Companies: Organizations that research and confirm the proper recording of releases for property sales

• Original Mortgage Details: Gather the mortgage registration number, original loan amount, and property address from your Danish Land Registry records
• Payment Verification: Obtain confirmation from your lender that the loan is fully paid, including the final payment date
• Property Information: Collect current property details, including the exact legal description from your deed
• Digital Access: Ensure you have valid NemID/MitID credentials for the Danish Land Registry's online system
• Lender Authorization: Get written confirmation from your lender that they will file the release electronically

• Property Identification: Complete legal description and address of the mortgaged property as registered in Tinglysning
• Mortgage Details: Original mortgage registration number, loan amount, and registration date
• Lender Information: Full legal name and business registration number of the mortgage institution
• Release Statement: Clear declaration that the mortgage is fully satisfied and the property is released from all claims
• Authentication Elements: Digital signature fields compatible with NemID/MitID verification system
• Registration Details: Space for Land Registry recording information and official stamps

A Release of Mortgage differs significantly from a Mortgage Agreement in both timing and purpose. While a Mortgage Agreement establishes the initial loan terms and property security, a Release of Mortgage marks the end of that relationship. Let's explore the key differences:

• Timing and Purpose: Mortgage Agreements start the lending relationship and create the lien, while Releases terminate it after full payment
• Legal Effect: Mortgage Agreements place obligations and restrictions on property use, while Releases remove these limitations and clear the title
• Registration Requirements: Both need Land Registry filing, but Mortgage Agreements require detailed loan terms and security provisions, while Releases focus on confirming debt satisfaction
• Party Obligations: Mortgage Agreements outline ongoing payment duties and lender rights, whereas Releases simply confirm all obligations have been met