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.
, Emba, Paphos
€145,000
Ref: #3565
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Two Bedroom First Floor Apartment with Sea View in Emba with Title Deeds Located in a quiet residential area, this large apartment is part of a complex of only 6 proeprties. It is in immaculate (...)
, Kamares, Larnaca
From €145,000
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, (...)
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 (...)
, Agios Nikolaos, Larnaca
From €145,000
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 (...)
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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 (...)
, Pervolia, Larnaca
€147,000
Ref: #3648
2 1 1 Two Bedroom Penthouse Apartment For Sale in Pervolia with Title Deeds This 2nd floor penthouse apartment situated in a quiet residential area of Pervolia has been renovated to a very high (...)
, 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 (...)
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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 private (...)
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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, (...)
, 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 (...)
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, Universal Area, Paphos
€149,500
Ref: #HAD039R2
2 1 1 Two Bedroom Apartment For Sale Located 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, (...)
, Oroklini, Larnaca
€150,000
Ref: #3377L
Plot of Land For Sale in Oroklini with Land Deeds Flat plot of land situated on the outskirts of the traditional village of Oroklini, suitable to make a family home - Plot size 831 (...)
, Tsada, Paphos
€150,000
Ref: #3502L
Plot of Land in Tsada with Land Deeds - Great investment opportunity - Plot size: 4.014m2 - Build Density: 40% - Coverage: 25% - Floors allowance: 2 - Height allowance: (...)
, Kato Paphos, Paphos
From €150,000
Ref: #STA011N1
1 1 1 One Bedroom Apartments located within the Tomb of the Kings area of Kato Paphos Centrally located just off the “Tombs of the Kings” Road this development is close to the Mall and also (...)
, 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 (...)
, 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 (...)
, Frenaros, Famagusta
€150,000
Ref: #3534L
1023m² Plot of Land For Sale in Frenaros with Land Deeds This large untouched plot of land is situated in a quiet residential area on the outskirts of the popular village of Frenaros. The (...)
, Emba, Paphos
€150,000
Ref: #3528
2 1 1 Two Bedroom Bungalow in Emba with Title Deeds - Open plan lounge and dining area - Uncovered parking - Family bathroom - Air conditioning - New painted - Double driveway and (...)
, Moutallos, Paphos
€150,000
Ref: #3364
2 1 1 Two Bedroom Maisonette in Moutallos - with Title Deeds Paphos close to all amenities and within walking distance to the sea, bars, restaurants and the tourist area of Paphos. Located close (...)
, Ekali, Limassol
From €150,000
Ref: #ADE009N1
1 1 1 One Bedroom Apartment For Sale Located In Ekali - Title Deeds (New Build Process) Lovely apartment located in the Ekali area of Limassol. The apartment is only a few minutes away from the heart (...)
Protaras (Head Office) / Paphos: 00 357 2381 4474
Larnaca / Limassol: 00 357 2304 1470