Transfers Of Equity

A Transfer of Equity is the process of adding or removing a person to or from the deeds to a property.

This could happen during a separation or divorce, following a marriage or to give ownership to a child or another person.  

This can be a very simple process but is complicated if there is a mortgage or charge against the property or if, in the case of divorce, there is doubt as to whether the remaining partner can afford to maintain the property and any payments.  If you have a mortgage, you are must inform the lender if the names on the deeds are changing as you cannot change a name on the mortgage without changing the deeds, and vice versa.

Please note that a Transfer of Equity can affect Capital Gains Tax, Stamp Duty Land Tax and may be affected by different factors if mortgage lenders are involved as each lender will have its own set of requirements.  Our team will guide you through the process, whatever your situation and will ensure all necessary searches and paperwork are completed in a timely and thorough manner. 

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