Digital Certificates for Mortgages/Charges

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Mortgage/Charge Certificates are issued as “digitally certified” documents since 13 April 2016.

The Digital Certificates are emailed as a pdf document to the email address entered in the “Presenter Details” section of the eform submitted to register the charge.

This facilitates immediate receipt of certification by the presenter as soon as the charge has been registered.

The format of the Certificate of Charge did not change and the Digital Certificates contain all of the information previously displayed on the paper Certificates. The signature of the officer registering the charge on behalf of the Registrar appears on the Digital Certificate.

The Digital Certificates contain the following security features:

    The pdf document contains a coloured banner at the top of the screen to confirm that it has been digitally signed as certified by the CRO. This provides an assurance to the recipient that the document is authentic, has not been tampered with and has been independently verified as sourced in CRO. The digitally certified document is the electronic equivalent of adding a notarised, wet ink signature.

A representation of these features is detailed below:

This Image (the first of two on this page) shows a section of a screen grab. The section is of the top lefthand corner of a screen grab of a PDF viewer, and it shows a light blue coloured banner with text that appears in the viewer after a presenter successfully submits a document to the CRO. The text in the banner says Signed and all signatures are valid. This text confirms that the submitted document has been digitally signed as certified by the CRO.This image (the second of two on this page) shows a screen grab of the digital signature of the Registrar which confirms that a submitted document has been digitally signed as certified by the CRO. The image contains five lines of text on separate lines. The first line says signed by on behalf of the registrar. The second line contains the date and time of the digital signature. The third line states the document has been certified. The fourth line states the location of the Registrar as being in Dublin, Ireland. The fifth line provides the Contact email address, which is certs.digital@cro.ie. The digitally certified document is the electronic equivalent of adding a notarised, wet ink signature. This provides assurance to the recipient that the document is authentic, that the document has not been tampered with, and that the document has been independently verified as being sourced in the CRO.

  • When efiling on CORE, presenters should ensure that the email address in the field “Presenter Details” is correct as this is the address to which the digital charge certificate will be emailed.
  • Following registration the presenter will receive an email with the heading “ Certificate of Charge – Submission No xxxxxx”.
  • This email will contain the Digital Certificate as a pdf document.
  • This is the Certificate of registration of the Charge – please ensure that you save it accordingly as no paper certificate can be issued

 

Presenters can provide these digital certificates directly to third parties such as chargeholders, banks and other financial institutions by email as required.