top of page
Tall Buildings

Transfer of Equity

Clear Legal Guidance for Property Ownership Changes

A transfer of equity involves changing the ownership structure of a property without selling it. This may include adding or removing a person from the title deeds, often due to relationship changes, family arrangements or financial planning.

​

At SW Property Law, I provide specialist, sensitive and efficient legal support to ensure your transfer of equity is completed smoothly, accurately and in full compliance with legal and lender requirements.

What is a Transfer of Equity?

A transfer of equity occurs when a property’s ownership is altered but the property itself is not sold. Common scenarios include:

​

  • Adding a spouse or partner to the property

  • Removing an ex-partner following separation

  • Transferring ownership between family members

  • Estate planning or gifting property

  • Buyout of one co-owner

  • Restructuring ownership for tax or financial reasons

​

Even though no sale takes place, important legal and financial obligations still apply.

My Transfer of Equity Services Include

I provide comprehensive support for all types of equity transfers, including:

​

  • Reviewing ownership structure and advising on the best options

  • Liaising with mortgage lenders

  • Drafting and submitting transfer documentation

  • Managing Stamp Duty implications

  • Registering changes with HM Land Registry

  • Advising on joint ownership arrangements

  • Ensuring compliance with all legal and lender requirements

​
I act with clarity, discretion and care throughout the process.

When You May Need a Transfer of Equity

You may require this service if:

​

  • You are separating or divorcing

​

  • You want to add a partner to your property

​

  • One owner is buying out another

​

  • Property is being gifted to a family member

​

  • You are restructuring ownership for tax purposes

Risk of Incorrect Transfers

Without proper legal handling, you could face:

​

  • Future ownership disputes

​

  • Invalid title registration

​

  • Mortgage breaches

​

  • Unexpected tax liabilities

​

  • Unenforceable documentation

​

  • Delays or rejection by Land Registry

Why Choose SW Property Law?

✔ Experienced in complex equity transfers

✔ Clear explanation of legal implications

✔ Sensitive handling of personal situations

✔ Personal service throughout

✔ Transparent advice and communication

Ready to Proceed with a Transfer of Equity?

bottom of page