Article / Land & Layout
Mortgaged plots: why some plots in an approved layout can’t be sold yet
Authorities hold some plots as security until development works are done. Make sure yours isn’t one of them.
When a layout is approved, the authority typically takes a portion of the plots as security (a mortgage) to ensure the developer completes roads, drains and other works. Those plots are released only after the works are certified.
- Ask for the list of mortgaged plotsIt is part of the approval paperwork.
- Check your plot numberMake sure it is not on the list.
- If it is, ask for the release orderDo not register until the release is issued.
General information, not legal advice
Rules, rates and portals change. Confirm the current position with the authority named and a qualified property lawyer before you pay.
Published: 10 October 2026
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