Who fills it in
The registered owner who mortgages the property (the mortgage debtor) and the lender (the mortgage creditor), plus any guarantor. The DLS says the form is completed by the mortgagor.
What goes with it
- Appointment arrangement form, in duplicate (the mortgagee arranges the appointment)
- Copies of the ID, ARC or passport of all parties; originals on the day
- Form Δ.Ε.307 if the mortgagee is represented, signed on the day
- Through an attorney: a general power of attorney costs €50 to file, a special one is free; the principal's signature must be duly certified (stamp duty only if a principal signed before 1 January 2026)
- Fee: 1% of the mortgage amount, plus €5 for each of two mortgage registration certificates; no fee for property in the occupied areas of Nicosia and Larnaca
Field by field
Header
| On the form | What to write | Example |
|---|---|---|
| District Lands Office ΕΠΑΡΧΙΑΚΟ ΚΤΗΜΑΤΟΛΟΓΙΚΟ ΓΡΑΦΕΙΟ ... | The district where the property is. | ΛΕΜΕΣΟΥ (Limassol) |
| Mortgage declaration number / encumbrances and prohibitions Αριθμός Δηλώσεως Υποθήκης / Εμπράγματα βάρη και Απαγορεύσεις | Filled in by the office. | — |
| Principal (€) / amount secured (€) Κεφάλαιο € / Εξασφαλισθέν ποσό € | The loan principal and the amount the mortgage secures. | 200,000 / 200,000 |
Mortgagor's contract (Σύμβαση)
| On the form | What to write | Example |
|---|---|---|
| I, ... of ..., permanent resident of ... (a) Εγώ ο/η ... από ... μόνιμος κάτοικος ... (α) | Footnote (a): the mortgage debtor's full name, full address and permanent residence. | MARIA EXAMPLE, of 2 Example Avenue, 3010 Limassol, permanent resident of Limassol |
| enter into a contract with ... of ..., permanent resident of ... (b) συνάπτω σύμβαση με τον/την ... από ... μόνιμου κατοίκου ... (β) | Footnote (b): the lender's full name, address and permanent residence. | EXAMPLE BANK LTD, of 1 Example Street, 1000 Nicosia |
| to pay on ... (c) να του καταβάλω στις ... 20... (γ) | Footnote (c): the payment date; if payable on demand write 'σε πρώτη ζήτηση' (on first demand); give any condition. | σε πρώτη ζήτηση (on first demand) |
| the sum of € ... with simple/compound (d) interest on € ... at ... per cent from ... το ποσό των € ... μαζί με απλό/σύνθετο (δ) τόκο πάνω στο ποσό των € ... προς ... τα εκατόν από τις ... | Footnote (d): delete simple or compound. Give the amount, rate and start date. | 200,000 / σύνθετο (compound) / 200,000 / 4.5 / 01/11/2026 |
| Provided that ... (e) Νοείται ότι ... (ε) | Footnote (e): any other terms, e.g. current-account fluctuation, variable interest, instalments, or a ban on transferring the property. Continue on a signed extra sheet if needed. | Repayable in 300 monthly instalments; variable rate |
| Made at ... (f) on ... Έγινε στ ... (στ) σήμερα στις ... 20... | Footnote (f): the town or village. | Limassol / 05/11/2026 |
| (g) Stamps (ζ) | Footnote (g): affix the stamps required by the Stamp Duty Law. | — |
| Mortgage debtor and ID number (h) Ενυπόθηκος Οφειλέτης και αρ. Ταυτότητας (θ) | Footnote (θ): a representative also gives their full name and address and files the power of attorney. | M. Example / X0000000 |
| Guarantee, if any / guarantor and ID number Εγγύηση αν υπάρχει / Εγγυητής και αρ. Ταυτότητας (θ) | Only if someone guarantees the loan. | — |
Mortgagee's acceptance
| On the form | What to write | Example |
|---|---|---|
| I, ... (b), declare that I agreed to accept the mortgage ... of ... (a) Εγώ ο/η ... μόνιμος κάτοικος ... (β) δηλώνω ότι συμφώνησα να αποδεχτώ την υποθήκη ... του/της/των ... (α) από ... μόνιμου κατοίκου ... (α) | The lender's details, then the mortgagor's again. | EXAMPLE BANK LTD / MARIA EXAMPLE |
| Provided that ... (h) Νοείται ότι ... (η) | Footnote (η): any term binding the lender, e.g. not to transfer the mortgage. | — |
| Mortgage creditor and ID number Ενυπόθηκος Δανειστής και αρ. Ταυτότητας (θ) | Signed for the lender. | For EXAMPLE BANK LTD / HE000000 |
| Made before me ... Land Registry officer Η δήλωση αυτή έγινε ενώπιόν μου ... Κτηματολόγος | Completed by the officer. | — |
Property mortgaged (ΣΤΟΙΧΕΙΑ ΤΟΥ ΑΚΙΝΗΤΟΥ ΠΟΥ ΥΠΟΘΗΚΕΥΕΤΑΙ)
| On the form | What to write | Example |
|---|---|---|
| Town / village or parish Πόλη/Χωριό ή Ενορία | From the title deed. | Agios Athanasios |
| Registration number and date Αριθμός Εγγραφής και ημερομηνία | From the title deed. | 0/12345, 10/10/2026 |
| Plan reference Παραπομπή στο σχέδιο | Sheet/plan and plot from the title deed. | 54/33, plot 678 |
| Type of property or interest Είδος ακινήτου ή συμφέρον | For example flat. | Flat No. 101 |
| Area (m²) Εμβαδόν τ.μ. | From the title deed. | 95 |
| Registered share of the whole / share or interest mortgaged / mortgaged share of the whole (1) Εγγεγραμμένο μερίδιο στο όλο / Μερίδιο ή συμφέρον που υποθηκεύεται / Υποθηκευμένο μερίδιο (1) | Footnote 1: state whether the whole share is mortgaged, and if not, which part. | 1/1 / όλο (all) / 1/1 |
| Present condition of the property (i) Παρούσα κατάσταση του ακινήτου (ι) | Footnote (ι): the difference from the registration, or 'ως η εγγραφή' (as registered). | ως η εγγραφή (as registered) |
| Lease details, if leased (k) Λεπτομέρειες μισθώσεως του ακινήτου αν υπάρχει μίσθωση (κ) | Footnote (κ): duration, rent and tenant's name. | — |
Land declarations and existing mortgage (delete as appropriate)
| On the form | What to write | Example |
|---|---|---|
| The land under the property with registration no. ... does not belong to the mortgagor ... η γη πάνω στην οποία βρίσκεται το ακίνητο με αριθμό εγγραφής ... δεν ανήκει στον υποθηκεύοντα (δ) | Delete if not applicable. Both sign. | — |
| The land belongs to the mortgagor but is not registered in their name and is included in the mortgage ... η γη ... ανήκει στον υποθηκεύοντα αλλά δεν είναι εγγεγραμμένη στο όνομά του και ότι αυτή συμπεριλαμβάνεται στην υποθήκη (δ) | Delete if not applicable. | — |
| Lender's confirmation of an existing mortgage no. ... in favour of ... Βεβαίωση από τον Ενυπόθηκο Δανειστή: Ενημερώθηκα για την υποθήκη που υπάρχει με αριθμό ... προς όφελος του ... | Only if another mortgage already exists. | — |
| For Land Registry use; later acts ΓΙΑ ΧΡΗΣΗ ΑΠΟ ΤΟ ΚΤΗΜΑΤΟΛΟΓΙΟ / ΜΕΤΑΓΕΝΕΣΤΕΡΕΣ ΠΡΑΞΕΙΣ | Fees paid, registration number and later entries are filled in by the office. | — |
Common mistakes
- Leaving both 'simple/compound' or both land statements in place. Footnote (δ) says delete what does not apply.
- Writing a fixed payment date for an on-demand loan. Footnote (γ) says write 'σε πρώτη ζήτηση'.
- Running out of space for loan terms without a signed extra sheet, as footnote (ε) requires.
- Leaving 'present condition' blank instead of 'ως η εγγραφή' or the difference.
- Budgeting without the fee: 1% of the mortgage amount plus €10 for two certificates.
Questions
How much does it cost to register a mortgage in Cyprus?
1% of the mortgage amount, plus €5 for each of two mortgage registration certificates. Special rules apply when a mortgage is replaced on the same day.
Who fills in N.271?
The DLS says the mortgagor completes it. When a mortgage is involved, the appointment form says the mortgagee (the lender) arranges the appointment.
Where is it signed?
At the District Lands Office, before the Land Registry officer, by the mortgagor and the mortgagee or their representatives.
Is there an English version?
No. N.271 is published in Greek only.
Sources
- Department of Lands and Surveys: mortgage (documents, 1% fee, €5 certificates), checked 23 October 2026
- Department of Lands and Surveys: form N.271 (with footnotes), checked 23 October 2026
- Fees and charges (Rights and Fees leaflet) — Department of Lands and Surveys
- Stamp Duty (Repeal) Law 239(I)/2025, Official Gazette 31 December 2025 (cylaw.org)
Figures checked 28 October 2026. Rules change: we confirm them for your case before you act.