Guide to Transfer of Equity

Being a property owner involves taking on a huge responsibility. Whatever the reason behind your desire to change the name on a property deed, it’s important to update the title deeds to make way for any additions or removal moving forward. 

Circumstances such as marriage, divorce, cohabitation, or even taking part in an expensive gift may drive you to change your property deed, which involves the complex process of transferring the equity (ToE) in your property. 

What is a Transfer of Equity?

As the moniker suggests, a transfer of equity defines the process of adding or removing a person from the title deeds of a property. It’s a different process compared to a sale and purchase since at least one of the existing original owners of the property must remain; that’s why this is often reserved for cases involving separation, a new relationship, joint ownership, or tax efficiency purposes. 

What is the Summary of the Transfer of Equity Process?

Transferring the equity of your property doesn’t have to feel like a complicated chore to handle, especially when you have a conveyancer who can simplify the process for you. While their expert guidance can educate you on these matters, it helps to have a basic overview of the transfer equity process. Here are the simple steps you should know: 

  1. If applicable, the first step involves getting a remortgage offer or consent from your mortgage lender if you are still paying for an existing loan;
  2. If you plan on removing a party from the property’s title deed, you need to get and verify your ID1 Form; 
  3. If you are a leaseholder, you need to confirm the freeholder notice and complete all fees associated with it; 
  4. Complete the process. If applicable, you may transfer the money to buy the equity; 
  5. After completion, the last phase includes filing the SDLT form and registration at the Land Registry.

What Costs Do You Need to Consider When Transferring the Equity of Your Property?

Your budget for the transfer of equity will vary depending on several factors such as your type of ownership, whether the property is a leasehold, if it has an existing mortgage that still needs to be paid, along with the equity solicitors you plan on working with throughout the process. Generally speaking, the fees you need to take into account include the following:

  • Solicitor fees 
  • Land Registration fees
  • ID1 Form verification fee, if a party is being removed from your title deed;
  • Change of mortgage fee, if there is still an existing mortgage;
  • Notice fee to the freeholder, if you are a leaseholder;

The Bottom Line: Understanding the Transfer of Equity Process

Transferring your equity is a complicated process that can take between four to six weeks to complete, but having a professional solicitor can ensure you go through all the changes as stress-free as possible. 

How Can We Help You?

Are you looking for a conveyancer in Swinton? If so, you’ve come to the right place. 

Conveyancing Expert is your legal expert that delivers excellent and efficient services to help protect your property transaction until it’s complete. We make sure that we’re with you every step of the way, offering fantastic legal advice and services.

Get a free and no-obligation quote from us today!

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