Equity transfer and transfer of title

New enquiries: 0800 118 1500

Looking to make a change to the legal ownership of your property? Speak to Talbots Law. When it comes to property transactions, we like to simplify the process, leaving you stress free. You may be looking to buy out another owner, or make a gift of the property.

Whatever the reason, our equity transfer solicitors will ensure you receive high quality advice on all matters surrounding your legal title and handle the switch from start to finish.

The transfer of equity, or, transfer of title involves the legal ownership of a property changing hands to another owner. This kind of transaction is only possible when at least one of the original owners remains on the title. It could happen in a situation where a couple transfers ownership to just one person, or perhaps the addition of another person to the title.

Whatever it is, we’ll ensure the transfer happens in no time.

Why should I choose Talbots equity transfer solicitors?

At Talbots Law, we pride ourselves in our ability to take complex matters and simplify them for all to understand. No jargon. No nonsense. With the largest property team in the region, you’ll be in safe hands. Not only can you rely on us to change the legal ownership of your property with ease, you can also count on us for tailored and personable advice regarding any property queries you may have.

How do I change the title to my property?

The process is fairly straightforward. However, it’s vital that no errors are made during the transfer – after all, property is a serious matter. The first step is to obtain official copies of the title. We’ll make sure everything is correct and whether there are any restrictions on changing the title.

If there are no mortgages on the property, all parties will sign the transfer deed and we’ll register it with the land registry. We’ll help you with the application and assure that all the necessary forms and documents are in check in order for you to make the transfer.

Transferring equity: what about the mortgage?

If you want your existing mortgage to remain despite the transfer, you’ll need to get consent from the mortgage lender. If you’re adding someone to the title, they’ll need to be equally liable for the mortgage. Naturally, the lender will want to perform a credit rating check against the new owner to ensure they can afford the repayments.

If you’re removing someone from the title, you’ll still need to get permission from the lender. This owner will then be released from the obligations of the mortgage via the transfer deed, which will be signed by all parties involved. Then, the lender will check whether the remaining owner is capable of making the mortgage payments.

If you need to change the title of your property, just get in touch with our equity transfer solicitors on 0800 118 1500 to make an appointment.

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