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.
, 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 (...)
, Livadia, Larnaca
From €145,000
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 (...)
Universal, Kato Paphos, Paphos
€145,000
Ref: #3410
2 1 1 
Two Bedroom First Floor Apartment with Title Deeds in Universal 2 bedroom first floor apartment located only 6 minutes walk from the tourist area. With uncovered parking and available fully (...)
, Kamares, Larnaca
From €145,000
Ref: #AFR036N2
2 2 1 Two Bedroom Apartment For Sale In the Kamares Area Of Larnaca - Title Deeds (New Build Process) The project boasts EIGHT two bedroom & two bathroom apartments- all with spacious and contemporary (...)
, 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 (...)
, Emba, Paphos
€145,000
Ref: #3565
2 2 1 Two Bedroom First Floor Apartment with Sea Views and Title Deeds in Emba Located in a quiet residential area, this large apartment is part of a complex of only 6 proeprties. It is in immaculate (...)
, 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 (...)
, 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 (...)
, Larnaca Town Centre, Larnaca
From €147,000
Ref: #JAY001N2
2 2 1 Two Bedroom Apartment Located in Larnaca Town Centre - Title Deeds (New Build Process) The Project comprises of eight spacious apartments. Each apartment offers an open plan living, kitchen with (...)
, Livadia, Larnaca
€147,000
Ref: #PLU030N1P
1 1 1 One Bedroom Penthouse Located in Livadia, Larnaca - Title Deeds (New Build Process) This high end penthouse is centrally located in a quiet village called Livadia, close to Larnaca's vibrant city (...)
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, Kamares, Larnaca
From €148,000
Ref: #DEX016N2
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, (...)
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, Tersefanou, Larnaca
€148,000
Ref: #3608
3 4 1 Three bedroom Link Detached Villa for Sale in Tersefanou with Title Deeds This fully furnished three bedroom villa is located at the end of a cul de sac, on a family friendly secure (...)
, Emba, Paphos
€149,000
Ref: #3249
3 1 1 Three Bedroom Apartment in Emba with Title Deeds This spacious three bedroom, top floor apartment, is tucked away in a quiet cul-de-sac on the outskirts of Emba and close to Paphos Old Town near (...)
, Vrysoulles, Famagusta
€149,000
Ref: #2385
3 1 2 Detached Three Bedroom Traditional Villa located in Vrysoulles with Land Deeds Price Reduction! (was 185,000 Euros) Traditional style villa with a separate self contained studio at the rear of (...)
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Universal Area, Paphos,
€149,500
Ref: #HAD039R2
2 1 1 Two Bedroom Apartment in Universal Area with Title Deeds. ** Price Reduced!! Was 155,000 Now 149,500!!** Located in an immaculate complex in the heart of the Universal area, this third floor (...)
, Anarita, Paphos
€150,000
Ref: #3298
2 2 1 Two Bedroom Apartment in Anarita Chorio with Title Deeds A fantastic two bedroom, first floor apartment with a full width large veranda which can be accessed via the lounge and both bedrooms which (...)
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, Pyla, Larnaca
€150,000
Ref: #2618C
1 Shop on Dhekelia Road with Title Deeds Superb oppurtunity to purchase a shop in a prime location on the seafront at a competitive price. Shop based over two floors, ideal location for (...)
, Vavla, Larnaca
Offers in the Region Of €150,000
Ref: #1752
2 2 1 Two Bedroom Villa For Sale in Vavla PRICE REDUCTION: was €200.000 - 2 sizable bedrooms - 2 bathrooms - Open plan living - dining - kitchen area - Part furnished - Fantastic (...)
, Pentalia, Paphos
€150,000
Ref: #2524
2 1 1 Two Bedroom Detached Bungalow located in Amargeti with Title Deeds The property is available fully furnished ready to move into. Also offers : - Title Deeds - Open plan living- lounge area (...)
, Ayia Napa, Famagusta
From €150,000
Ref: #CHA019N1
1 1 1 One Bedroom Apartment For Sale In Ayia Napa - Title Deeds (New Build Process) Beautiful 1 bedroom apartment located within the popular area of Ayia Napa. The apartment is set on a complex which (...)
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