Transfer of Equity

Transfer of equity can be a challenging task, but with credible legal advice and help, it can be made simple and hassle-free.

We understand that when it comes to the transfer of equity and other legal procedures, you need a group of solicitors you can trust. We, at Pindoria Solicitor, have earned the trust of our clients through years of hard work and dedication.

Pindoria Solicitors are highly experienced in ensuring the transfer of equity process progresses smoothly until the client’s requirements are fulfilled.

Transfer of equity is a legal process in which property ownership is altered, either by removing or adding additional person/s from the title. There could be many reasons for transferring the equity. Some of these include:

  • Marriage
  • Divorce
  • Separation
  • Creating a Trust
  • Reduce your estate size
  • Tax restructuring
  • Shares realignment

It is worth noting that property transfer after death of a property holder doesn’t require equity transfer. Submitting a death certificate to the Land Registry would suffice.

The transfer of equity process is a complicated one, and when it involves children or mortgage on the property. We believe it is always better to be prepared. Luckily, our transfer of equity solicitors provides professional, legal and sensitive advice to clients. We pay detailed attention to every step in the process and hand-hold our clients during:

  • The process starts off with a written approval from the property owner and the lender in case there is a mortgage on the property. If you have a mortgage on said property, adding new members would require consent from the mortgage lender. Verification of property title deeds to scrutinise the mortgages or any discrepancies in the document.
  • The next step would be to receive the approved application from the lender, which will be drafted and sent to you for signing. With this authorization of the transfer deed, the property transfer into new names takes effect at the Land Registry. We will proceed only after obtaining consent for transfer from lawyers of all parties or through a court order.
  • We will undertake the payment of outstanding SDLT and Land Registry. In case additional funds are required for smooth completion of the transfer, we would approach you or the lender.
  • Finally, we will apply to the office of Land Registry to register the said property under new ownership. Once the registration is done, they will provide a copy of the transfer deed of house to you.

Before starting the legal process, we will provide you with a detailed plan, fee structure and guidance. To experience a seamless and efficient transfer of equity, get in touch with our legal experts today.


  1. What is a Transfer of Equity?

    In a Transfer of Equity, a person is either added or removed from the property title. In short, it means a change in the co-ownership of a property.

    If you want to know, ‘What does Transfer of Equity mean in relation to a sale?’

    Unlike a sale, in Transfer of Equity, at least one original owner remains the same, although the list of names of the owners might have changed.

    The Transfer of Equity process can get longer if the situation is complicated. For instance, a spouse who is not consenting to the transfer, unwilling co-owners, and issues with payments or mortgages.

  2. Do you need a solicitor for Transfer of Equity?

    It is always recommended that you seek the services of equity solicitors to avoid conflict of interest or any legal issues in the future or during the transfer process.

    Generally, when there is a monetary consideration, it is always a good idea to seek a reputed solicitor for Transfer of Equity.

    The reason we are advising you to hire a solicitor is because the Transfer of Equity is a complicated process, especially if it involves a separation or divorce. Additionally, it also deals with SDLT and Land Registry services which can get complicated.

  3. How long does it take to transfer ownership of a property?

    There are no hard and fast rules as to the timeline, but there are a few general guidelines as to the time taken for property transfer.

    1. It could take anywhere from 3 to 5 weeks to receive a mortgage offer after applying.
    2. The ID 1 Forms could take at least one week to get verified entirely
    3. Another one week for the receive the signed mortgage document
    4. The completion could take another one week.

    When you transfer ownership of a property, you should remember that it might take longer than expected if there is a mortgage on your property, especially if you have to wait for consent from co-owners.

  4. How much does a transfer of equity cost?

    The Transfer of Equity cost cannot be determined off the hand without completely understanding the case.
    The transfer of equity costs depends on a variety of factors:

    • The value of property.
    • The situation -whether you are removing or adding a person in the deed.
    • The property – is it on freehold or leasehold.
    • Service fees you pay the transfer of equity solicitors.

    In addition to the transfer of equity solicitor costs that will include the legal services fees, you would also incur SDLT (in case you have a mortgage), Land Registry, property searches, and more.

Book Your Consultation with Transfer of Equity Expert Now.