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.
, Kamares, Larnaca
From €135,000
Ref: #AFR037N2
2 
2 
1 Two Bedroom Apartment For Sale in Kamares, Larnaca - Title Deeds (New Build Process) This project is located in a quiet residential area of Kamares, Larnaca its is very near to supermarkets, (...)
, Oroklini, Larnaca
€135,000
Ref: #3530
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 (...)
Lower Peyia, Peyia, Paphos
€137,000
Ref: #3583
2 1 1 
Two Bedroom Townhouse located in Lower Peyia with Title Deeds A well maintained two bedroom mid-terrace townhouse within walking distance to the Peyia village centre. Located on a small complex of (...)
, Livadia, Larnaca
From €138,000
Ref: #STE003N2
2 2 1 Two Bedroom Apartment For Sale Located In Livadia - Title Deeds (New Build Process) A new residential project comprising of a contemporary building with modern apartments, ideal for families (...)
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Universal, Kato Paphos, Paphos
€139,000
Ref: #MSP013R2-C5
2 1 1 Positioned in the prime location of Kato Paphos, this beautifully presented complex is no more than a few minutes walk away to the beaches and the harbour with its lovely sea front promenade. (...)
, Tersefanou, Larnaca
€139,000
Ref: #3589
3 3 2 Three Bedroom End Terrace For Sale in Tersefanou with Title Deeds This key ready property comes fully furnished and is located within a secured gated complex. Downstairs comprises of a living (...)
, Mesa Chorio, Paphos
€139,500
Ref: #3078
2 2 1 Two Bedroom Semi-Detached Townhouse With Sea Views Mesa Chorio Located on a quiet complex on the outskirts of the village, this two bedroom end townhouse is in excellent condition and boasts sea (...)
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 (...)
, Oroklini, Larnaca
€140,000
Ref: #2647L
Plot of Land For Sale in Oroklini with Land Deeds Untouched corner plot - Plot - 573 m² - Planning zone H3 - Build density 60% - Coverage 35% - Floors 2 - Height 8.3 (...)
, Lysos, Paphos
€140,000
Ref: #3419L
Lysos, Paphos, Cyprus 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 (...)
, Agios Nikolaos, Larnaca
From €140,000
Ref: #LIV048N2
2 2 1 Last Remaining Two Bedroom Apartment For Sale located in Agios Nikolaos, area of Larnaca - Title Deeds (New Build Process) The project is striking new collection of two bedroom apartments in the (...)
, Anarita, Paphos
€140,000
Ref: #2967
3 2 1 Three Bedroom Townhouse in Anarita Reduced Was €169,000 This fully furnished three bedroom townhouse is on a beautifully maintained quiet complex with communal pools and gardens. With a (...)
, 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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, 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 (...)
, 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 (...)
Upper Peyia, Peyia, Paphos
€145,000
Ref: #3580
3 2 2 Three Bedroom Townhouse in Upper Peyia with Title Deeds This adorable mid-terrace 3 bedroom townhouse is located in an elevated position giving fantastic sea views, has been well maintained and (...)
, Chloraka, Paphos
€145,000
Ref: #3499
2 2 1 Two Bedroom Renovated Townhouse in Chloraka This bright and airy Townhouse in Chloraka in a quiet cul-de-sac. The Townhouse offers: - Title deeds - Complex of only 7 houses - Fully (...)
, Frenaros, Famagusta
€145,000
Ref: #2234
2 2 1 Two Bedroom Villa located in the Frenaros Village with Title Deeds Detached villa in excellent condition has easy to maintain garden area with stamped concrete. The car port has been converted to (...)
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, Paralimni, Famagusta
€145,000
Ref: #3405
3 2 1 Three Bedroom Apartment For Sale in Paralimni with Title Deeds This first floor three bedroom apartment is located in Paralimni, just a few minutes from the town center and local beach's. The (...)
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