Certificate of Title

Certificate of Title

Understanding the Certificate of Title for Property Ownership in Victoria

Understanding the Certificate of Title is essential for any property owner in Victoria, Australia. This crucial document serves as proof of property ownership and is a key element in the real estate process. Whether you're a new homeowner, have recently paid off your mortgage, or are dealing with property transfers, knowing how to obtain and manage your Certificate of Title is vital. This blog provides a detailed insight into what a Certificate of Title is, how to obtain it in Victoria, the costs involved in a title search, and the particularities of a property title in Victoria.

What is a Certificate of Title in Australia?

A Certificate of Title is a legal document that serves as definitive proof of ownership for a property in Australia. It is a critical part of property transactions, providing essential details about the property, including the owner's name, location, and any encumbrances or restrictions that may apply. Historically, these certificates were physical documents, but with the advent of digital record-keeping, many titles are now held electronically. In Australia, the Certificate of Title is not just a piece of paper or a digital record; it's a cornerstone of property ownership, safeguarding your rights and interests as a property owner.

How do I get a Certificate of Title in Victoria?

1. Cash Purchase

If you've purchased a property outright with cash in Victoria, the original paper title usually ends up with your solicitor or conveyancer. They typically invite you to collect it from their office. If you haven't yet received your title, it's advisable to contact your solicitor or conveyancer to confirm whether they are holding it and arrange a time for collection. They will also inform you if you've previously collected it.

2. Paid off your Loan/Mortgage

Upon fully repaying your mortgage, the bank holding your mortgage will possess your Certificate of Title. To retrieve it, you must complete a 'discharge of mortgage' form. Banks typically charge a fee for closing your loan account, discharging the mortgage, and releasing the original title to you. Many homeowners choose to let the bank keep the title for safekeeping, especially if they don't plan to sell or refinance immediately.

3. Electronic Title Conversion

In the digital age, many property titles are held electronically, either by banks or legal representatives. If your title is electronic and you wish to have a physical copy, you can request your bank or solicitor to convert the electronic title into a paper format. This process involves a fee and results in the original paper title being posted to you, which you can then collect from your solicitor or bank.

How Much Does a Title Search Cost in Victoria?

In Victoria, a title search, also known as a 'register search statement', is an official process undertaken to ascertain the details of property ownership. It's often necessary for legal, commercial, or personal reasons. Performing a title search can reveal the current owner, any mortgages or encumbrances on the property, and other vital information.

The cost of a title search in Victoria is relatively modest. On average, it costs around $20.00 to obtain a copy of a title search that shows property ownership. This process can be carried out directly by individuals by creating an account with Landata, which is Victoria's Title Office's search service. It’s a straightforward and affordable way to access important information about any property in the state.

What is a Certificate of Title for Property Victoria?

In Victoria, the Certificate of Title for a property is more than just a document; it's the official record of who owns the property and any interests or rights over it. This certificate includes crucial details like the owner's name, the property's legal description, and any encumbrances, such as mortgages or easements, that might affect the property.

For property owners in Victoria, the Certificate of Title is a testament to their ownership rights. It is essential in various situations, such as selling or refinancing a property. The process of obtaining this certificate, whether through cash purchase, paying off a mortgage, or converting an electronic title to paper, underscores its importance in the real estate sector. It ensures that property transactions are conducted with transparency and legal integrity, safeguarding the interests of all parties involved.


Understanding and managing your Certificate of Title is an integral part of property ownership in Victoria. Whether it's obtaining your original title after a cash purchase, retrieving it from the bank after paying off a mortgage, converting an electronic title to paper, or conducting a title search, each process plays a vital role in maintaining your property's legal standing.

If you find yourself needing assistance with any aspect of your property's Certificate of Title, Pearson Chambers Conveyancing is here to help. Our expertise and dedication ensure that your property transactions are smooth and secure. For professional guidance and support, don't hesitate to contact us on 0421 058 106 email us at contact@pearsonchambers.com.au, or visit our website at www.pearsonchambers.com.au. Let us help you navigate the complexities of property ownership with ease and confidence.