- QES enables mortgage deeds to be signed digitally and is supported by HM Land Registry
- Identity verification and deed signing are completed in a single digital journey, in under three minutes on average
- Already being used by lenders through LMS’s fee-assisted remortgage service, with Panel Link customers to follow
- Delivered in partnership with Veyco through LMS Validate
LMS, the UK’s leading provider of conveyancing services, has partnered with Veyco to introduce Qualified Electronic Signatures (QES), enabling participating lenders and law firms to offer customers a faster, digital way to sign mortgage deeds.
The technology is already live with lenders using LMS’s fee-assisted remortgage service and will be extended to its Panel Link customers as the next phase of rollout.
LMS is one of the first organisations to roll out QES at scale and hopes the move will help broaden access to QES for more lenders, law firms and home movers and support industry efforts to create faster, more connected property transactions.
LMS’s QES solution is delivered via LMS Validate in collaboration with Veyco, a specialist provider of digital identity and QES technology, extending LMS’s existing digital identity capabilities.
How QES is helping move the property market towards digitisation
Qualified Electronic Signatures (QES) provide a highly secure way of signing mortgage deeds digitally, with the signatory’s identity verified to a regulated standard and the integrity of the document protected.
They have the same legal effect as a handwritten signature[1], need no witness and take under three minutes on average, helping to deliver faster transactions, greater security and connecting another piece of the digital transaction process.
For LMS, introducing QES into LMS Validate in collaboration with Veyco enables its lender partners and their customers to complete identity verification and mortgage deed execution through a single digital journey. For home movers, it offers a quicker, more convenient way to complete their mortgage deed digitally, without printing documents, arranging a witness or returning paperwork by post.
HM Land Registry supports the use of QES as part of its ongoing digital transformation. The wider adoption of QES also aligns with the Government’s ambition to digitise home buying and selling, announced in its Home Buying and Selling Reform Roadmap.
Suzanne O’Connor, Chief Relationship Officer at LMS, said:
“Digital transformation is no longer about digitising individual steps in the property transaction – it is about connecting those steps to create a faster, more secure and seamless journey for everyone involved. The introduction of QES is an important part of that evolution and reflects our continued commitment to ensuring lenders and law firms have the digital infrastructure they need to deliver greater certainty and efficiency for customers.
“Our collaboration with Veyco is helping to turn that ambition into reality. By bringing secure digital identity verification and legally robust electronic signatures together via LMS Validate, we can remove another layer of friction from the process, benefitting lenders, law firms and customers alike, and moving towards a more digital property transaction.”
Edd Prosser-Jones, Head of Partnerships at Veyco, said:
“Trusted digital identity and secure electronic execution are what make a fully digital mortgage deed possible. Paper deeds slow down completions, and all parties in the transaction feel it. With Veyco, there is no printing, witnessing or posting. Borrowers can sign a mortgage deed in under three minutes on average, and law firms get the signed deed straight back. For LMS’s lender partners and law firms, this means fewer follow-ups, quicker completions and a reduced risk of fraud.”
Andy Roddy, Deputy Director Digital Services at HM Land Registry, said:
“HM Land Registry has accepted Qualified Electronic Signatures (QES) for property transactions since August 2025, and we welcome industry initiatives that support their adoption. QES offers a high standard of identity assurance and security, helping make property transactions more efficient and straightforward for customers.
“We’re keen to see the market continue to develop practical, interoperable solutions, and we’ll continue working with lenders, conveyancers and technology providers to support wider adoption of digital signing.”
[1] Under Article 25(2) UK eIDAS.