Checklist Notarising Loan & Mortgage Docs

Notarial Services in Exeter

Patrick Selley, provides a comprehensive range of notarial solutions for both individual and corporate clients. Whether you are dealing with international property, overseas business transactions, or personal documentation, I will ensure your paperwork meets strict global standards.

Core services include:

Notarisation & Legalisation: Expert authentication of documents for use abroad, including coordination with the Foreign, Commonwealth & Development Office (FCDO).
Apostille Services: Streamlined handling of Apostille certificates to ensure your documents are recognised by Hague Convention member countries.
Powers of Attorney: Specialist notarisation of Power of Attorney documents for international legal matters.
Witnessing & Certification: Official witnessing of signatures and the provision of certified copies for:
- Proof of Identity (Passports/Driving Licences)
- Birth, Marriage, and Death Certificates
- Educational Qualifications and Professional Transcripts

Local Expertise: Based in the heart of Exeter, I pride myself on providing a precise, efficient service that simplifies the complexities of international law.

Office: The Senate Southernhay Gardens Exeter EX1 1UG

Checklist for Notarising Loan & Mortgage Documents - Exeter

To ensure your appointment proceeds smoothly and the lender’s requirements are met, please prepare the following documents in advance. Most notaries will require scanned copies of these items prior to the physical meeting to conduct necessary due diligence.

1. Personal Identification (All Signatories and Guarantors)

Current Valid Passport: This is the preferred form of ID for international transactions.
Photocard Driving Licence: Must be a full, valid licence issued by a recognised authority.
Secondary ID: Some lenders require a second form of photo ID or a national identity card.
Proof of Address: A utility bill, council tax statement, or bank statement dated within the last three months (mobile phone bills are usually not accepted).

2. Corporate Documentation (If Borrowing via a Limited Company)

Certificate of Incorporation: To prove the legal existence of the borrowing entity.
Memorandum and Articles of Association: The notary must check these for the “Power to Borrow” and “Power to Mortgage” clauses.
Board Resolution: A formal minute signed by the directors authorising the specific loan and nominating who shall sign the deeds.
Register of Directors and Members: To verify the current standing and ownership of the company.

3. The Financial Documents

The Unsigned Loan Agreement: The full contract provided by the lender or their solicitors.
The Mortgage Deed or Legal Charge: The specific document that will be registered against the property title.
Letter of Instruction: Any specific signing instructions provided by the bank’s legal department (e.g., requirements for specific ink colours or witness types).
Personal Guarantee: If a director or third party is personally securing the corporate debt.

4. Transactional Evidence

Source of Funds/Wealth: Evidence of where the deposit or repayment capital is originating to satisfy AML regulations.
Property Details: A copy of the “Title Register” or foreign equivalent to confirm the asset being charged.