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.
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, Anarita, Paphos
€125,000
Ref: #PAF054N1
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One Bedroom Apartment - Title Deeds (New Build Process) located in Anarita This is a well established complex offering 56, two bedroom townhouses and 28, one, two, and three-bedroom spacious (...)
, Tremithousa, Paphos
€125,000
Ref: #2691L
Plot of Land in a Residential Area of Tremithousa - Plot size - 530m² - Build density - 90% - Coverage - 50% - Floors - 2 - Height - 10m - Road access - Electric and water (...)
, Mesa Chorio, Paphos
€125,000
Ref: #HAD036R1-D212
1 1 1 One Bedroom Top Floor Apartment located in Meso Chorio One bedroom top floor apartment on a fabulous complex which caters for every holiday requirement by offering a large communal swimming pool, (...)
Universal, Kato Paphos, Paphos
€125,000
Ref: #3408
2 2 1 Two Bedroom Second Floor Apartment with Title Deeds in Universal 2 Bedroom second floor apartment located only 6 minutes walk from the tourist area. With uncovered parking and available fully (...)
, 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 - (...)
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, Ayia Napa, Famagusta
€125,000
Ref: #3617
3 1 1 Three Bedroom Apartment For Sale in Ayia Napa with Title Deeds A well presented second floor apartment located in the center of Ayia Napa, just a short walk to the bars, restaurants and shops. The (...)
, Pano Kivides, Limassol
€126,000
Ref: #3438L
Plot of Land for Sale in Pano Kivides with Land Deeds Great investment opportunity Untouched plot of land, easily accessible from Limassol giving you the opportunity for a village (...)
, Kapparis, Famagusta
From €126,500
Ref: #PET001N1
1 1 1 Luxury One Bed Apartment for Sale in Kapparis - Title Deeds (New Build Process) The Luxury Residence is an astonishing manifestation of the world’s most recent development and architectural (...)
, 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 Located within walking distance to the beach and local ammenities this two bedroom, second floor apartment is an ideal investment for rental, as a (...)
, 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 (...)
, Giolou, Paphos
€130,000
Ref: #2920
Plot of Land for sale in Giolou with Land Deeds PRICE REDUCED - WAS €160,000 - Plot size 3308m² - All services including electricity, water and internet supply are in place - 10 (...)
, 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 - (...)
Upper Peyia, Peyia, Paphos
€130,000
Ref: #3308
2 1 1 A lovely 2 bedroom town house in Upper Peyia with Title Deeds This townhouse is situated in the sought after area of Peyia. It is in excellent condition and has the added benefit of just being re (...)
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, Peyia, Paphos
€130,000
Ref: #3073L
Plot of Land in Residential area of Peyia with Title Deeds - Flat plot ready for construction - Plot size: 864m² - 90% build density - 50% coverage - Height Allowance: 8.3m - (...)
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, Xylophagou, Famagusta
€130,000
Ref: #3357
3 1 1 Three Bedroom Bungalow For Sale in Xylophagou with Title Deeds Situated on a good size plot in the popular village of Xylophagou, this bungalow has a living area with separate kitchen and dining (...)
Head Office Protaras T: 00 357 2381 4474
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