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BOE-A-2026-12846 ·13 June 2026 ·Resolution Low impact
Tax

Individuals: potential unilateral mortgage cancellation without new holder's consent if prior acceptance was not granted

The Directorate General for Legal Certainty and Public Faith analyses the validity of the unilateral cancellation of a mortgage when the original creditor has transferred their interest. The ruling addresses whether the requirement for acceptance provided for in Article 141 of the Mortgage Law must be directed to the new holder, or if the failure to accept within the two-month period allows for cancellation without their consent (Article 237 of the Mortgage Regulations).

In 2 key points

  1. Unilateral cancellation is possible after two months if acceptance is not recorded in the Registry (Article 237 of the Mortgage Regulations). (art. 237 Reglamento Hipotecario)
  2. The request for acceptance must include a warning regarding cancellation after the two-month period (Article 141 of the Mortgage Law). (art. 141 Ley Hipotecaria)

How it affects those involved

For owners of properties with unilateral mortgages that have not been accepted, the ruling reinforces the possibility of cancelling the charge after the two-month notice period expires, even if the creditor has changed (Article 237 of the Mortgage Regulations). For banking entities acquiring interests in unilateral mortgages pending acceptance, there is a risk that the charge may be cancelled without their involvement if prior registration of acceptance has not been formalised.

Lifecycle

2026-06-13PublishedPublished in the BOE
Official text Based on BOE data (boe.es). Information, not advice.

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This analysis is informational only and does not constitute legal advice or create a client-adviser relationship. BM Consulting.
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