Public Services > Central Government

Greg’s Clark’s Land Registry note signals Verify’s use in digital mortgage scheme

David Bicknell Published 19 January 2018

Business minister’s contingent liability note says digital mortgage process will see borrower’s identity verified through GOV.UK Verify combined with Land Registry security processes


The Government has indicated that it will use GOV.UK Verify as the verification service behind the launch of a new digital mortgage.

In a departmental contingent liability note published by Business Minister Greg Clark discussing HM Land Registry (HMLR) plans to launch the digital mortgage service, Clark said the Land Registry’s new service would enable borrowers to sign mortgage deeds digitally, speed up the re-mortgage process and improve the customer experience.

Clark said a new liability risk arises with the service because HMLR said it will certify the identity of a borrower when that person provides a digital signature in advance of registration. He said the liability sits outside of the scope of HMLR’s existing statutory compensation scheme.

The government described the risk of the new liability occurring as ‘low’. Clark said, “The new process, where the borrower’s identity has to be verified through GOV.UK Verify combined with HMLR’s independent security processes, should in fact reduce the overall risk of fraud. To date GOV.UK Verify has not identified a single example of fraud despite in excess of 1.25 million citizens’ accounts having been created using the GOV.UK Verify service.”

Clark said that subject to no objections being received, he intended to authorise the proposal to undertake contingent liability for the digital mortgage service, after 14 parliamentary sitting days.

The reference to the use of GOV.UK Verify for the digital mortgage marks arguably one of the first major updates about Verify’s usage in recent months. It is understood no separate Government Digital Service (GDS) announcement is likely about the digital mortgage service for now, though it is expected GDS will have something to say about it in due course.

We have updated our privacy policy. In the latest update it explains what cookies are and how we use them on our site. To learn more about cookies and their benefits, please view our privacy policy. Please be aware that parts of this site will not function correctly if you disable cookies. By continuing to use this site, you consent to our use of cookies in accordance with our privacy policy unless you have disabled them.