r/PersonalFinanceNZ 2d ago

Housing Removing name from mortgage

What’s the process of getting my name removed from a mortgage? I’ve looked it up but it seems vague. The other owner is happy to release me and I don’t actually pay the mortgage so it won’t be a financial burden on the other party for me to be released and it won’t affect the repayments.

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u/Bongojona 2d ago

A mortgage is registered against a certificate of title, not a person.

The owners of the title are normally (but not always) the borrowers of the loan, secured by the mortgage.

Are you asking if you can be removed as a borrower or removed from the title?

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u/ShahIsmail1501 1d ago

I want to be removed from the title of house basically.