[svandamme]

I'm not sure it is Rinty,
a Notary here, is technically a state appointed a civil servant
They organize the deed of the house sale, check if everything is in order and also register the mortages.. They typically get payed a percentage of the house sale and a percentage of the mortage to cover their costs.
Nobody else can do that here. Nobody can start a company and start registring mortages, it's a very much a close nit group of people who can do it.

And i'm not saying mistakes do not happen, but for the most part they don't.
To get a mortage here, you go to the bank, you apply for the whole shebang, then you and the bank representative have to physically go to the notary together, and he will have the deed of the house out, check everything, face to face, and everybody will sign his paperwork there and then.
There are so many checks and balances along the way that i don't see how anybody could ever get a mortage on somebody elses house here.