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.
, Geroskipou, Paphos
€130,000
Ref: #3365
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Two Bedroom Apartment located in Geroskipou with Title Deeds Spacious 2 bedroom apartment located in Geroskipou and close to the up and coming Paphos Town. The apartment offers: - Title (...)
, Universal, Paphos
€130,000
Ref: #3573
2 1 1 Two Bedroom Townhouse with Title Deeds in Universal 2 double bedrooms townhouse located only 6 minutes walk from the tourist area. With a large shared balcony overlooking the green area and the (...)
, Arakapas, Limassol
From €130,000
Ref: #YTG007N3
3 1 1 Three Bedroom Apartment in Arakapas -Title Deeds (New Build Process) This three bedroom apartment is located in the beautiful Arakapas village 25 minutes drive from Limassol. The apartment (...)
, Larnaca Town Centre, Larnaca
From €130,000
Ref: #PLU027N1
1 1 1 One Bedroom Apartment Located By Larnaca Marina, Larnaca - Title Deeds (New Build Process) This luxurious residential project is a 4-floors building composed of six spacious 1-bedroom apartments (...)
, Emba, Paphos
€130,000
Ref: #1622
2 1 1 NEW Self Built Two Bedrooms Apartments situated in the village of Emba with Title Deeds - 2 bedroom apartments - Self built in 2010 - Open plan living - dining - kitchen area - (...)
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, Tersefanou, Larnaca
€130,000
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 (...)
, 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 (...)
, Tsada, paphos
€132,000
Ref: #3363L
Land For Sale in Tsada with Title Deeds Located in an elevated position on two levels this large plot has water and electricity facilities close by with road access. Just a short drive from the (...)
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Universal, Kato Paphos, Paphos
€132,000
Ref: #MSP013R2-105B
2 1 1 A Modern Two Bedroom Apartment in Kato Paphos with Title Deeds Available Positioned in the prime location of Kato Paphos, this beautifully presented complex is no more than a few minutes walk away (...)
, Oroklini, Larnaca
From €132,000
Ref: #QUA058N1
1 1 1 One Bedroom Apartment For Sale Located in Oroklini -Title Deeds (New Build Process) The Project comprises of 32 spacious apartments. The residences are divided into four different blocks. Blocks (...)
, Kapparis, Famagusta
From €132,000
Ref: #CHA023N2
2 1 1 Two Bedroom Apartment For Sale Located In Kapparis -Title Deeds (New Build Process) SPECIAL OFFER! Beautiful 2 bedroom apartment located within the popular area of Kapparis. The apartment is (...)
, Paralimni, Famagusta
From €133,000
Ref: #CHA022N2
2 1 1 Two Bedroom Apartment Located In Paralimni With Sea Views -Title Deeds (New Build Process) Beautiful 2 bedroom apartment located within the popular area of Paralimni town centre. The apartment is (...)
Universal, Kato Paphos, Paphos
€135,000
Ref: #2348
2 1 1 Two Bedroom Apartment in Universal With Title Deeds Located in the Universal area of Kato Paphos within walking distance to the harbour this apartment represents an excellent investment for (...)
, Sotira, Famagusta
From €135,000
Ref: #CYS010N2
2 2 1 Two Bedroom First Floor Apartment For Sale in Sotira - Title Deeds (New Build Process) ***LAST ONE AVAILABLE*** This spacious two bedroom first floor apartment is located on a secure gated (...)
, Larnaca Town Centre, Larnaca
€135,000
Ref: #3487
2 1 1 Two Bedroom Apartment For sale in Larnaca Town Centre with Title Deeds 1st floor fully renovated apartment, has been renovated to a very high standard by the current owners located in center of (...)
, Oroklini, Larnaca
€135,000
Ref: #3529
2 2 1 Two Bedroom Townhouse in Oroklini with Title Deeds This townhouse has recently been renovated and decorated to a good standard. Situated in a prime location for holiday rental, so a great (...)
, Tala, Paphos
€135,000
Ref: #3221
2 2 1 Immaculate Two Bedroom Apartment in Tala with Sea Views and Title Deeds Located just a short distance from the village centre this first floor two bedroom apartment is very spacious and due to the (...)
, Dhekelia, Larnaca
€135,000
Ref: #2427
2 1 1 Two Bedroom Apartment For Sale Dhekelia Road with Title Deeds Located just 70 meters from the sandy beaches of Dhekelia Road, this first floor apartment boasts sea views from its covered (...)
, Livadia, Larnaca
From €135,000
Ref: #PLU031N1
Special Offers Available
1 1 1 One Bedroom Apartment Located in Livadia, Larnaca - Title Deeds (New Build Process) SPECIAL OFFERS AVAILABLE! This high end apartment is centrally located in a quiet village called Livadia, (...)
, Larnaca town centre, Larnaca
From €135,000
Ref: #IPC001N2
2 2 2 Two Bedroom Apartment For Sale In Larnaca Town Centre, Larnaca - Title Deeds (New Build Process) The apartment block will comprise of 8 x 2 bedroom luxury apartments on the first 3 floors and (...)
Head Office Protaras T: 00 357 2381 4474
Larnaca / Limassol T: 00 357 2304 1470
Paphos T: 00 357 2600 2122