ENGLISH MORTGAGE DEED
Deed date: __________
PARTIES
Mortgagor: __________, __________. Mortgagee: __________, __________. Loan: __________.
SECURED DEBT
Principal secured: __________. Interest: __________% per annum. Term: __________ months. Repayment/redemption date: __________.
PROPERTY AND TRANSFER
Property: __________ (__________), __________, in __________. Structure selected: __________. Possession: __________.
Title documents: __________.
RE-TRANSFER
Re-transfer covenant: __________.
DEFAULT
Defaults: __________. Enforcement remains subject to applicable law and the governing loan/security documents.
EXECUTION
Mortgagor: __________
Mortgagee: __________
Witness 1: __________
Witness 2: __________
LEGAL BASIS
In Punjab the holder of a site allotted by a development authority cannot transfer any right in it, a mortgage included, without the authority's previous permission (section 43(7) of the Punjab Regional and Town Planning and Development Act, 1995), and the authority gives that permission only to the allottee on its file. In Chandigarh a leasehold site needs the Estate Officer's permission to mortgage, a notified service under the Right to Service notification of 30 March 2026, and the Estate Office's checklist asks for an affidavit with it, which carries its own stamp duty. A mortgage by deposit of title deeds does not show in a Punjab Non-Encumbrance Certificate, which is why lenders also record the security in the Central Registry of Securitisation Asset Reconstruction and Security Interest of India.
PERSONAL DATA NOTICE
This notice is given under the Digital Personal Data Protection Act, 2023.
Personal data in this document is collected only to create and administer the stated English mortgage and its eventual re-transfer/release, communicate about that purpose, verify expressly supplied lending, identity and property information, and retain an evidentiary transaction record.
The record will be held by __________ and may be shared only with the borrower, co-borrower, guarantor, lender, authorised professional, registering or revenue authority, Central Registry/CERSAI-related service, insurer or other person directly involved in the stated credit or security transaction.
If the transaction is withdrawn, refused or cancelled, personal data will be retained for 90 days and then erased. If the transaction proceeds, the record will be retained for the loan/security term plus 12 months, except where a named statutory or regulatory record-retention period requires longer retention.
A person named here may withdraw consent for future consent-based processing, request correction or erasure when the stated purpose has ended, or raise a grievance by writing to __________. The record-holder should acknowledge and respond within 30 days.
Data minimisation: this document does not collect full Aadhaar numbers, Aadhaar-card copies, passwords, PINs, OTPs or unrelated bank credentials, and none should be written into it. Use masked account/identity references where an identifying reference is genuinely necessary.
Personal-data instruction: __________.
Record-holder: __________