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A Release of Mortgage is a legal document that proves you've fully paid off your mortgage in the Netherlands. When you finish paying your home loan, your bank or lender must file this release (also called 'doorhaling hypotheek' in Dutch) with the Land Registry (Kadaster) to remove their claim on your property.

This important release officially cancels the bank's security rights and makes you the full, unencumbered owner of your property. Under Dutch civil law, you'll need this document if you plan to sell your home or take out a new mortgage. The notary handling your case will ensure the release is properly registered, giving you clear title to your property.

You need a Release of Mortgage when you've completely paid off your Dutch mortgage and want to prove you're the sole owner of your property. This typically happens at the end of your mortgage term or if you decide to pay off your loan early. It's also essential when selling your property or refinancing with a different lender.

Getting this release registered promptly through your notary is crucial - especially before starting any new property transactions. Dutch banks require proof that any previous mortgages have been cleared before approving new loans. Without a properly filed release, you can't demonstrate clear ownership rights, which can delay or derail property sales and refinancing deals.

• Full Release: The standard form that completely discharges the mortgage after full payment, most commonly used when selling property
• Partial Release: Used when releasing only a portion of mortgaged property, common in development projects or land subdivisions
• Electronic Release: Digital version filed directly with the Kadaster through the notary's system, becoming increasingly common in Dutch property transactions
• Subordination Release: Modifies the priority of multiple mortgages on the same property, often used in refinancing situations
• Conditional Release: Releases the mortgage only after specific conditions are met, typically used in complex property transactions

• Mortgage Lenders: Banks and financial institutions must issue and register the Release of Mortgage once the loan is fully repaid
• Property Owners: Receive and maintain the release as proof of clear property ownership after paying off their mortgage
• Notaries: Handle the legal process of registering the release with the Kadaster and verify its validity
• Land Registry (Kadaster): Records and maintains the official registration of mortgage releases
• Real Estate Agents: Need to confirm the existence of a release when helping clients sell properties

• Property Details: Gather the property's registration number, address, and current ownership information from the Kadaster
• Mortgage Information: Collect the original mortgage deed number, registration date, and loan amount
• Payment Verification: Obtain official confirmation that the mortgage has been fully paid off from your lender
• Notary Selection: Choose and contact a qualified Dutch notary to handle the release registration
• Identity Documents: Prepare valid ID and proof of authority to act for all involved parties
• Release Registration: Submit all documents to your notary, who will process the release through the Kadaster's system

• Property Identification: Exact property description, cadastral reference, and address as registered with the Kadaster
• Original Mortgage Details: Date, deed number, and amount of the original mortgage being released
• Lender Information: Full legal name and registration details of the mortgage provider
• Borrower Details: Complete legal names and addresses of all property owners
• Release Declaration: Clear statement that the mortgage is fully satisfied and discharged
• Notarial Certification: Official notary statement and seal confirming the release's validity
• Execution Details: Date, place, and signatures of authorized representatives

A Release of Mortgage is often confused with a Mortgage Agreement, but they serve opposite purposes in the Dutch property market. While a Mortgage Agreement establishes the initial loan and security rights over your property, a Release of Mortgage terminates these rights once the loan is paid off.

• Timing and Purpose: Mortgage Agreements come at the start of your loan, creating obligations. Releases come at the end, removing them
• Legal Effect: Mortgage Agreements place a lien on your property; Releases remove this lien and restore full ownership
• Documentation Requirements: Mortgage Agreements need extensive financial and property details. Releases mainly need proof of loan satisfaction and property identification
• Registration Process: Both require notarial involvement, but Releases have a simpler Kadaster registration procedure