--- title: Process for Registering a Second Mortgage - QLD description: QUEENSLAND Queensland has fully electronic titles with no passwords or keys. Lodgement of mortgages in Queensland can still be made in paper form, but lenders must choose to lodge via the titles elect --- [Skip to content](https://info.lightyeardocs.com.au/supportcentre/hc/en-us/articles/1500001671961-process-for-registering-a-second-mortgage-qld#main-content) English Show submenu for translations [![Asset 46@4x](https://info.lightyeardocs.com.au/hs-fs/hubfs/Asset%2046@4x.png?width=273&height=50&name=Asset%2046@4x.png)](https://www.lightyeardocs.com.au/) Open main navigation Close main navigation - English Show submenu for translations Your Gateway to Growth and Achievement! - There are no suggestions because the search field is empty. 1. [Success Hub](https://info.lightyeardocs.com.au/supportcentre?hsLang=en) 2. 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Consequently, the consent of the first mortgagee is not required. **Queensland Law Therefore Requires Some Unique Considerations by Lenders:** **As a Second Mortgagee:** - You are not required to obtain the consent of the first mortgagee and can simply lodge your second mortgage in paper form or via PEXA without contacting the first mortgagee and without fear of default. - A deed of priority is not required unless you wish to increase your protection from that afforded in the QLD Act. **As a First Mortgagee:** - You cannot stop the registration of a second mortgage, treat it as a default or demand a deed of priority. - A second mortgage could be lodged without any notice to you. - You may be forced to exercise power of sale if the second mortgagee will not discharge their mortgage on a sale of the property by the borrower. *Please be advised this is general information only, and is not to be taken as legal advice. 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