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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Universal, Kato Paphos, Paphos
€139,000
Ref: #MSP013R2-C5
2 
1 
1 
Ground Floor 2 bed 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 (...)
Lower Peyia, Peyia, Paphos
€139,500
Ref: #3575
2 1 1 Two Bedroom Townhouse in Lower Peyia with Title Deeds This adorable 2 bedroom townhouse is located within a row of 6 properties, which is within walking distance to the village centre. This (...)
Universal, Kato Paphos, Paphos
€139,950
Ref: #2988
2 1 1 Two Bedroom, Second Floor Apartment in the Universal Area of Kato Paphos PRICE REDUCED - WAS €145,000 Conveniently located in the Universal area of Kato Paphos close to amenities and in (...)
, Anarita, Paphos
€139,950
Ref: #3243
2 2 1 Two Bedroom Townhouse in Anarita Chorio Located within a ten minute drive from Paphos International Airport and minutes from the highway, this spacious two bedroom townhouse in excellent (...)
, Lysos, Paphos
€140,000
Ref: #3419L
Plot of Land For Sale in Lysos with Land Deeds and Sea Views Two adjacent plots of land situated within of the traditional village of Lysos,being sold together which are suitable to make a family (...)
, Oroklini, Larnaca
€140,000
Ref: #2647L
Plot of Land For Sale in Oroklini with Land Deeds Untouched corner plot - Plot 573 m² - Build density 60% - Coverage 35% - Planning zone H3 - Floors 2 - Height 8.3 (...)
, Paralimni, Famagusta
From €140,000
Ref: #SCH005N2
2 2 1 Two Bedroom Townhouses located in a Residential area of Paralimni with Title Deeds Available LAST UNIT REMAINING!! - Block B contains 11 townhouses - 2 spacious bedrooms with fitted (...)
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, Kato Polemidia, Limassol
From €140,000
Ref: #EAF007N1
1 1 1 One Bedroom Apartment In Kato Polemidia, Limassol - Title Deeds (New Build Process) This spacious 1 bedroom apartment is located in Kato Polemidia close to a wide range of amenities such as (...)
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, Sotira, Famagusta
€142,000
Ref: #GIO003R2
2 2 1 Two Bedroom Apartment, Fully Furnished located on a complex in Sotira with Title Deeds This modern and stylish 2 bedroom apartment is being sold fully furnished and has also been renovated (...)
, Larnaca Town Centre, Larnaca
From €142,000
Ref: #LIV056N2
2 2 1 Two Bedroom Apartment For Sale Located in Larnaca Town Centre - Title Deeds (New Build Process) This is a contemporary building which comprises of one, two and three bedrooms spread over 6 floors. (...)
, Aradippou, Larnaca
From €142,500
Ref: #INF007N2
2 2 1 Two Bedroom Apartment For Sale located in Aradippou, Larnaca - Title Deeds (New Build Process) The project is located in the Aradippou area of Larnaca, with restaurants, cafes, pubs, bus stops and (...)
, Saint George, Larnaca
€145,000
Ref: #AFR034N2
2 2 1 Last Remaining Two Bedroom Apartment For Sale In The Saint George Area Of Larnaca - Title Deeds (New Build Process) The project boasts eight - two bedroom and two penthouses all with spacious and (...)
Universal, Kato Paphos, Paphos
€145,000
Ref: #3410
2 1 1 Two Bedroom First Floor Apartment in Universal - with Title Deeds 2 bedroom first floor apartment located only 6 minutes walk from the tourist area. With uncovered parking and available (...)
, Germasogia, Limassol
From €145,000
Ref: #IOR002N1
1 1 1 One Bedroom Luxury Apartment located In the Germasogeia area of Limassol - Title Deeds (New Build Process) These apartments offer sweeping views of the city below as well as the azure waters of (...)
, Frenaros, Famagusta
€145,000
Ref: #2234
2 2 1 Two Bedroom Villa For Sale in Frenaros with Title Deeds Detached villa in excellent condition has easy to maintain garden area with stamped concrete. The car port has been converted to provide an (...)
, Limassol Town Centre, Limassol
From €145,000
Ref: #EAF004N1
1 1 1 One Bedroom Apartment Located In Naafi, Limassol - Title Deeds (New Build Process) This one bedroom luxury apartment is set in a modern complex located in the heart of the Naafi district in (...)
, Prodromi, Paphos
€145,000
Ref: #MSP001R3-G6
3 2 1 Three Bedroom Townhouse located in Prodromi with Title Deeds This is a charming well maintained complex located in the beautiful area of Prodromi close to Polis Town and Latchi Marina. The complex (...)
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, Agia Zoni, Limassol
From €145,000
Ref: #EAF005N1
1 1 1 One bedroom apartment located in Agia Zoni, Limassol - Title Deeds (New Build Process) This one bedroom luxury apartment is set in a modern complex located in the heart of Limassol, close to a (...)
, Chloraka, Paphos
€145,000
Ref: #3499
2 2 1 Two Bedroom Renovated Townhouse in Chloraka with Title Deeds This bright and airy Townhouse in Chloraka in a quiet cul-de-sac. The Townhouse offers: - Complex of only 7 houses - Fully (...)
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, Konia, Paphos
€145,000
Ref: #2022
2 3 1 Two Bedroom Townhouse in Excellent Condition with Sea Views and Title Deeds Situated on a well maintained complex with a large communal pool this two bedroom townhouse is equipped with central (...)
Protaras (Head Office) / Paphos: 00 357 2381 4474
Larnaca / Limassol: 00 357 2304 1470