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ConveyMatch

Guide

Transfer of equity

A transfer of equity changes who owns a property — for example adding a partner or removing someone after a separation.

What's involved

  • Preparing the transfer deed and checking identity of everyone involved
  • Getting your mortgage lender's consent, or arranging a new mortgage
  • Registering the change at HM Land Registry

If there's a mortgage

If a mortgage is involved, the firm will usually need to act for the lender, so it must be on that lender's panel. ConveyMatch checks this when you tell us your lender.

Tax

A transfer of equity can sometimes create a Stamp Duty or Land Transaction Tax liability, depending on any money or mortgage debt taken on. Take advice from the firm.

Property tax is separate and is not included in any conveyancing quote. Check what you may owe using the official calculators: HMRC Stamp Duty Land Tax calculator (England) and Welsh Revenue Authority Land Transaction Tax calculator (Wales).