Currently, when issuing a letter of loan offer, the lending institution set out all the costs, fees, charges etc.,etc associated with taking out the loan, dealing with the loan, discharging the loan. On an old loan, this may not have been done initially but it would be standard practice.
On payment of the charges and on final payment off of your mortgage, they will release to you ( or your solicitor) your deeds and the Vacated Mortgage Deed. That Mortgage will however continue to show as a charge on the property on searching the Registry of Deeds or Land Registry so you then have to lodge the Vacated Mortgage in either of the above as appropriate and it is something you can do yourself.
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