18/10/2026
Adding a partner to your deeds? Taking a name off after a relationship ends?
Both usually come down to a transfer of equity.
Equity is the share of the property you own, worked out as the value of the home minus what's left on the mortgage. A transfer of equity changes who owns that share and updates the legal title at HM Land Registry. Nobody is buying the property, so there's no chain involved.
We see them most often when people get married, add a partner to the title, separate, or take a name off after a relationship ends.
If there's a mortgage, your lender has to agree to the change. The person staying usually needs to show they can manage the mortgage alone, and the person leaving will want to be sure they're properly released from it.
Adding someone new? It's also worth agreeing how you'd each share the value if you ever sold. A Declaration of Trust records that in writing.
Our conveyancing team can talk you through how a transfer of equity works for your situation, and explain each step along the way.
When did you last check whose names are on your property's title?
Contact us to find out more...
📞 01322 441442
✉️ [email protected]
apex-law.co.uk