Title Deed / Mortgage by Application
Mortgage by Application
Mortgage Notes
- Mortgage applications will only be considered on resale properties that have land deeds or full title deeds
- Mortgage applications are considered on Developer New Properties (New Build Process)
- Mortgage applications are considered on Land as they have land deeds
- If a resale has title deeds available then the banks will not lend until the Title Deed is in the current owners name
Title Deed Notes
- Title Deeds (this means the title deed is in the name of the current owner and therefore can be transferred on completion)
- Title Deeds Available (this means the title deed is available at land registry but not necessary issued in the name of the current owner which would stop a mortgage approval)
- Title Deeds (New Build Process) (This is a Developer property so you are the 1st person to have rights over the property via the contract deposited at land registry)
- Cyprus Legislation - Title Deed with Application (This means the resale property doesn’t have deeds ready or in hand and therefore you have to buy on assignment agreement until they are ready – your solicitor would do the relevant checks and ensure a bank waiver is in place to protect your interest)
- Land Deeds – (this means the title deed is in the name of the owner and therefore can be transferred on completion for land / if on a villa then the property was built after the land deeds so the house would have to be signed off by planning department and then a separate deed is issued or a combined one for the land and house)
Properties without Title Deeds
The Cyprus parliament enacted a new law in 2011 - The Sale of Immovable Property. This allows the property owner who does not hold Title Deeds to assign all rights, obligations and benefits of their original contract of sale with the developer to the new buyer.
In order to register the new sale, an Assignment Agreement, between only the seller and the new buyer must be signed and then filed at the Land Registry. Once it's filed, all the rights, obligations and benefits of the seller are transferred to the new buyer and the developer is bound. The new buyer becomes the new beneficial owner and they obtain the same legal protection that the original purchaser had.
Your Cypriot lawyer would prepare your purchase agreement in accordance with the law and protect you and your investment during the purchase and after. We are able to provide you with details of independent lawyers and they would carry out due diligence and would ensure that any property you purchase is 'safe' to buy.
, Tala, Paphos
€125,000
Ref: #3400
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1 
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One bedroom apartment located in Tala with Title Deeds This well presented apartment has been tastefully decorated and offers amazing views of the surrounding areas and the sea. It is located in a (...)
, Paralimni, Famagusta
From €125,000
Ref: #SCH004N2
2 1 1 Two Bedroom Apartments For Sale located in a residential area of Paralimni with Title Deeds Available Special Offer! - Block A contains 20 apartments - 2 bedrooms and 1 bathroom - (...)
, Anarita, Paphos
€125,000
Ref: #3505
2 2 1 Two Bedroom Townhouse in Anarita on a Beautiful Complex with Title Deeds. Located just a short distance from Paphos International Airport, yet on a residential complex that is immaculately (...)
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, Geroskipou, Paphos
€125,000
Ref: #HAD047R2
2 2 1 Two Bedroom Apartment For Sale Located In Geroskipou With Title Deeds This spacious two bedroom, second floor corner apartment is located in the popular village of Geroskipou within walking (...)
, Tersefanou, Larnaca
€125,000
Ref: #LLH017R1
1 2 1 One Bedroom Apartment for sale located in the village of Tersefanou Title Deeds Available An exclusive gated residential development of 24 one bedroom, 38 two bedroom, and 2 three bedroom (...)
, Paralimni, Famagusta
€125,000
Ref: #1289
3 2 1 Ground Floor Three Bedroom Apartment located in Paralimni with Title Deeds - 3 bedrooms and 2 bathrooms - Main bedroom features it's own en-suite - Open plan living - dining - kitchen area (...)
, Pano Kivides, Limassol
€126,000
Ref: #3438L
Plot of Land for Sale in Pano Kivides, Limassol with Land Deeds Great investment opportunity Untouched plot of land, easily accessible from Limassol giving you the opportunity for a village (...)
, Chloraka, Paphos
€126,500
Ref: #2416
2 1 1 Townhouse with Two Bedrooms in Chloraka with Title Deeds Available Located in Chloraka on a neat complex and within walking distance to amenities. This townhouse has a large side garden in (...)
, Moni, Limassol
From €127,000
Ref: #KAK002N1
1 1 1 One Bed Apartment In Moni, Limassol - Title Deeds (New Build Process) This beautiful apartment is located in the village and valley of Moni, one of the most prestigious suburbs of Limassol, enjoys (...)
Universal, Kato Paphos, Paphos
€127,000
Ref: #3393
2 1 1 Two bedroom apartment with Title Deeds Spacious apartment in Kato Paphos close to all amenities and within walking distance to the sea, bars, restaurants and the tourist area of Paphos making it a (...)
, Anarita, Paphos
€129,000
Ref: #2863
2 2 1 Two Bedroom Townhouse in Anarita with Title Deeds This two bedroom townhouse is in excellent condition and with a raised aspect, located in a small beautifully maintained landscaped development on (...)
, Geroskipou, Paphos
€129,500
Ref: #HAD049R2
2 2 1 Two Bedroom Second Floor Apartment in Geoskipou - Title Deeds available Located within walking distance to the beach and local ammenities this two bedroom, second floor apartment is an ideal (...)
, Peyia, Paphos
€129,950
Ref: #3588
2 1 1 Two Bedroom Townhouse with Title Deeds in Peyia Located on a very small complex of only 8 propertie this well maintained mid townhouse has lovely stone facing and is available fully furnished. It (...)
, Peyia, Paphos
€129,999
Ref: #3596
2 1 1 Stunning Two Bedroom Penthouse Apartment in Peyia with Title Deeds Located within a short distance of Peyia village centre, this large two bedroom penthouse is in immaculate condition and is (...)
, Xylophagou, Famagusta
€130,000
Ref: #3646
2 1 1 Two Bedroom Bungalow For Sale in Xylophagou with Title Deeds A well presented detached bungalow in the quiet residential village of Xylophagou, just a few minutes to the local shops. The bungalow (...)
, Peyia, Paphos
€130,000
Ref: #2702L
750m² Plot of Land located in Peyia with Sea Views - Plot size - 750m² - Build density - 120% - Sea views - Quiet residential area - Title Deeds - Central Location - (...)
, Limassol Town Centre, Limassol
From €130,000
Ref: #NEM004N1
1 1 1 One Bedroom Apartment Located In Limassol Town Centre, Limassol - Title Deeds (New Build Process) This one bedroom luxury apartment is set in a superbly constructed contemporary building, situated (...)
, Letymbou, Paphos
€130,000
Ref: #2447
2 1 1 Two Bedroom Traditional Stone Villa with Title Deeds in Letymbou This property is located at the centre of Letymbou village and offers lovely mountain views and a spacious courtyard of stone (...)
, Livadia, Larnaca
From €130,000
Ref: #PLU030N1
1 1 1 One Bedroom Apartment Located in Livadia, Larnaca - Title Deeds (New Build Process) This high end apartment is centrally located in a quiet village called Livadia, close to Larnaca's vibrant (...)
, Agios Nikolaos, Larnaca
€130,000
Ref: #3512
3 2 1 Three Bedroom Semi Detached Bungalow for sale in Agios Nikolas with Title Deeds This bungalow is in a sort after location and would make a great family home as local shops and school are situated (...)
Protaras (Head Office) / Paphos: 00 357 2381 4474
Larnaca / Limassol: 00 357 2304 1470