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Transfer of equity conveyancing

A transfer of equity changes who's on the title without a full sale — commonly after marriage, divorce, separation, or simply changing how ownership shares are split between joint owners. If there's a mortgage on the property, your lender's consent is normally needed as part of the process.

What's involved

  • Preparing and registering the transfer deed with HM Land Registry
  • Getting your mortgage lender's consent, if there's a mortgage on the property
  • Working out whether Stamp Duty Land Tax applies to the transfer (it can, depending on any mortgage debt taken on)
  • Updating the title register to reflect the new ownership split

Who it's for

Anyone adding or removing a name from a property's title — for example after marriage, divorce, or a change in ownership share.

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Other transaction types

PurchaseSaleSale and purchaseRemortgageLease extension

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