Having worked with AJ over the last few months I can highly recommend him and his firm. Highly professional and explaining each step only the way.
Windsor, London & across England & Wales
Transfer of equity solicitors
Adding someone to your home, or taking a name off it, is called a transfer of equity. We handle the legal work, your lender and the Land Registry, for a fixed fee you can see right now.
✓ Authorised & regulated by the SRA ✓ Fixed fees, agreed up front ✓ CQS accredited ✓ England & Wales
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Your instant fixed-fee quoteYour price, including the Land Registry fee and any Stamp Duty, on screen in about a minute. Accept online when you are ready.
A transfer of equity changes who legally owns a property without it being sold. It often comes at a big moment, such as moving in together, marrying, separating or helping family. We keep the legal side simple, explain each step in plain English, and deal with your lender so you do not have to.
When you need a transfer of equity
Adding a partner
Putting your partner or spouse on the deeds after moving in together or marrying.
Removing an ex-partner
Taking a name off the deeds after a separation or divorce, often with a new mortgage in your name.
Gifting to family
Transferring your home, or a share of it, to a family member.
Remortgaging at the same time
Changing the owners and the mortgage together, as one process with one quote.
How it works
- Get your instant quoteSee your fixed fee and the other costs on screen, then accept online when you are ready.
- Open your fileWe carry out identity checks for everyone involved and check the title to your property.
- Your lender and the transfer deedWe get your lender’s consent, or act on your new mortgage, and prepare the transfer deed for everyone to sign.
- RegistrationWe deal with any Stamp Duty and register the change at HM Land Registry, then send you confirmation.
A straightforward transfer of equity often completes in around 4 to 8 weeks, depending mostly on your lender. These are typical timescales, not promises.
Fixed fee, no surprises
Your quote sets out our fee and the costs we pay to others for you, separately:
| Cost | Paid to | Amount |
|---|---|---|
| Our legal fee, property worth up to £500,000 | Judge Law | £650 + VAT |
| Our legal fee, £500,001 to £1 million | Judge Law | £775 + VAT |
| Our legal fee, £1 million to £2 million | Judge Law | £1,150 + VAT |
| Leasehold property | Judge Law | £250 + VAT |
| Acting for your lender, if there is a mortgage | Judge Law | £150 + VAT |
| Identity and anti-money-laundering checks | Our check provider | £19.01 per person |
| Land Registry fee | HM Land Registry | In your quote |
| Stamp Duty, only if money or debt is taken on for the share | HMRC | In your quote |
Over £2 million is quoted individually. We are a private firm and all conveyancing work is privately funded.
What is included
- Checking the title to your property
- Dealing with your lender, including any new mortgage
- Preparing the transfer deed and explaining it to everyone signing
- Working out whether Stamp Duty is due, and filing any return
- Registering the change at HM Land Registry
If the person leaving needs separate legal advice, we tell you at the start so it does not hold things up. If the value of the home is not shared equally, we can also prepare a declaration of trust for £500 plus VAT.
Your conveyancer
Naresh Suppal
Partner & Head of Conveyancing
Naresh is a Partner and Head of Conveyancing at Judge Law, based in Windsor. He and the conveyancing team handle residential and commercial property transactions across London, Berkshire and across England & Wales, on fixed fees, with a solicitor you can speak to directly from first contact to completion.
Transfer of equity FAQs
Do I need a solicitor for a transfer of equity?
If there is a mortgage, yes. Your lender will require a solicitor or conveyancer to act. Without a mortgage you can apply to the Land Registry yourself, but a solicitor makes sure the deed is right, any tax is dealt with and the change is registered properly.
Do I have to pay Stamp Duty on a transfer of equity?
Only if something of value is given for the share, such as a cash payment or taking on part of the mortgage, and that value is above the Stamp Duty threshold. A gift of a share with no mortgage usually has no Stamp Duty. Transfers between spouses or civil partners as part of a divorce or dissolution are usually exempt. We check this for you.
Can I take my ex-partner off the mortgage?
Only with your lender’s agreement. The lender will want to be sure you can afford the mortgage on your own. We can transfer the property into your sole name alongside your lender’s consent, or a new mortgage if you are remortgaging.
Can I add my partner to the deeds without adding them to the mortgage?
Most lenders require everyone on the deeds to be on the mortgage too. Some lenders take a different approach, so we check your lender’s requirements at the very start.
What is a declaration of trust, and do I need one?
A declaration of trust records how the value of the property is shared if it is not equal, for example where one of you paid a bigger deposit. We can prepare one alongside your transfer for £500 plus VAT.
What if the transfer is part of a divorce settlement?
We often handle transfers that follow a financial settlement. If you also need advice on the settlement itself, our family law team can help. Our guide to remortgages and transfers of equity explains the steps.
Need a quote from our team?
For a property worth over £2 million, more than two owners, or a transfer that is part of a wider settlement, or if you would simply prefer a person, tell us about the property and our team will send you a fixed-fee quote. Use the box at the end for any questions.
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