1. Property
  2. Equity Matters
  3. Equity Transfer

Transfer of Equity

Whether you’re looking to co-own a home, passing a property on to your children, or you’ve separated from a spouse, you will need to carry out transfer of equity to finalise the altering of the property deed.

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How to apply for transfer of equity

The process of applying for transfer of equity can be as simple as filling in some forms and altering title deeds, but it can become more complex if there is a mortgage involved. So you should start by contacting a solicitor to help assess your situation and guide you through the process. 

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Transfer of Equity

Do I need transfer of equity?

If you are changing the names on the title deed of a property, then you will need an official transfer of equity. This is whether you’re adding or removing a name.

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Equity release

Equity release is a way of accessing the money in your home without moving out. It’s done by selling part or all of it to an equity release firm.  

Learn more about Equity Release

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Frequently asked questions

A transfer of equity is the process of transferring property ownership from one person to another. This could be all or only part of the property equity.

You will need a conveyancing solicitor to complete equity transfer. They’re able to support you with the legal requirements and processes involved. It's possible to complete some parts of the transfer without legal support, but not recommended.

Whether you pay Stamp Duty on transfer of equity depends on the 'consideration' and the nature of the transfer. For example, if the property is split equally between 2 people or not. Your solicitor can tell you if you will need to pay it.

On average, equity transfer should only take up 4-6 weeks. Usually, the main length of time taken is by the mortgage lender assessing eligibility. However, if you’re transferring equity without a lender, it can be very quick.

Cost can vary depending on the situation. Usually, transfer of equity costs can be anywhere between £100-£500 plus VAT. Factors that affect the cost of a transfer include the property’s value, if you’ll need to remortgage, and solicitor fees.

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