Transfer of Equity Solicitors
If you need to add or remove someone from the legal title to your property, our Transfer of Equity Solicitors at Law Lane Solicitors, CQS-accredited and approved on 91 lender panels, can guide you through the process from start to finish.
A transfer of equity changes the legal ownership of a property without a full sale taking place. It arises in a range of circumstances: following relationship breakdown, when one owner is buying out the other; when a property is placed into joint names; when a parent wishes to transfer a share to a child; or when ownership needs to be restructured to reflect a change in contributions. At Law Lane Solicitors, founded in 2015 with offices in Stratford, High Holborn, and Croydon, we act for all parties involved in transfers of equity across England and Wales, including those being added to or removed from the title.
Where an existing mortgage is secured against the property, the lender’s consent is required before any change to the legal title can proceed. Registration of the updated title is made at HM Land Registry under the Land Registration Act 2002. We hold CQS accreditation and are approved on 91 lender panels, which means we are well placed to manage the lender consent process on your behalf.
Our multilingual team speaks over 28 languages and represents clients in transfers of equity arising from divorce proceedings, estate planning, or financial restructuring.
Our Transfer of Equity Services
We advise and act on transfer of equity transactions in all circumstances, including:
- Transfers following a relationship breakdown, where one party is buying out the other’s share as part of a financial settlement
- Adding a new owner to an existing title, including transfers into joint names between partners or spouses
- Removing an owner from a jointly held title where one co-owner is departing the property
- Obtaining mortgage lender consent where an existing charge must be approved before the ownership change can proceed
- Combined remortgage and transfer of equity transactions where the mortgage is being refinanced at the same time as ownership changes
- Transfers into trust, including arrangements for tax planning or asset protection purposes
- Transfers between family members, including gifts of equity and part-sale arrangements between parents and children
- Preparing a Declaration of Trust to record each owner’s financial contribution and beneficial interest in the future
- Calculating and advising on any Stamp Duty Land Tax liability under Part 4 of the Finance Act 2003, where consideration passes in the transfer
- Registering the updated title at HM Land Registry and confirming completion to all parties
Why Choose Law Lane for a Transfer of Equity?
Transfers of equity sit at the intersection of property law, family arrangements, and mortgage liability. The legal work requires careful attention to the consequences for each party, not simply to the paperwork. We advise on stamp duty liability, lender consent requirements, and how to protect your financial interests going forward.
Our in-house barristers and solicitor-advocates mean that, if the transfer forms part of broader family proceedings or a dispute about beneficial ownership, we can advise on those issues without referring you to another firm. That continuity matters when a transfer arises from a relationship breakdown, and positions may be contested.
Our CQS accreditation and 91 lender panel approvals enable us to handle the consent process directly with your lender and satisfy any conditions imposed before completion. For fee information specific to your transfer, see our conveyancing pricing page or request a quote when you call us.
Get in Touch
Our Transfer of Equity Solicitors are ready to advise you on your transaction. Whether your transfer is straightforward or part of a more complex arrangement, we will guide you through every step.
Phone: 020 7870 4870
Email: info@lawlanesolicitors.co.uk
Book a consultation with our team and you will receive clear advice on the process, your obligations, and the costs involved before you commit to anything.
Law Lane Solicitors is proud to be accredited under The Law Society’s Immigration and Asylum Accreditation.
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“I had an excellent experience with the Law Lane Solicitors and their team. From start to finish, the service was professional, efficient, and very well organised. They kept me informed throughout the entire process and were always available to answer any questions I had.
What impressed me most was their attention to detail and the genuine care they showed in handling my case. Everything was explained clearly, which made the whole process smooth and stress-free. I’m extremely satisfied with the service provided and would highly recommend them to anyone looking for reliable and professional legal support. Thank you again for your outstanding work!” – A on Review Solicitors (March ’26)
Frequently Asked Questions – Transfer of Equity Solicitors
What is a transfer of equity?
A transfer of equity is a legal transaction that changes the ownership of a property without a full sale. It can involve adding a new owner, removing an existing one, or changing the proportions of a propertyis ownership. The transaction requires a formal deed of transfer and registration at HM Land Registry.
Do I need my mortgage lender's permission?
Yes, if there is an existing mortgage on the property, your lender must consent to any change in legal ownership. When a new co-owner is added, the lender typically assesses whether the new co-owner meets its affordability criteria. Where an owner is being removed, the lender must be satisfied that the remaining borrower can service the mortgage on their own. We manage that process on your behalf.
Will I pay stamp duty on a transfer of equity?
SDLT under Part 4 of the Finance Act 2003 may be payable if money or other consideration is changing hands. Where one co-owner takes on or is released from a share of the mortgage liability, HMRC treats that liability as consideration for SDLT purposes. The calculation depends on the specific terms of the transfer, and we advise on your precise position before you proceed.
What is a Declaration of Trust, and do I need one?
A Declaration of Trust records the financial arrangements between co-owners, including the proportions in which each person holds a beneficial interest. If the ownership split after the transfer does not reflect equal shares, or if different contributions have been made, a Declaration of Trust provides clear evidence of the agreed position and protects both parties in the event of a later dispute.
Can a transfer of equity form part of a divorce settlement?
Yes, transfers of equity are frequently used to implement financial settlements agreed between the parties or ordered by a court. In that context, the transfer often takes place alongside a remortgage, so that the mortgage is transferred into the name of the person retaining the property. We coordinate both elements and liaise with any other solicitors involved in the family proceedings.
How long does a transfer of equity take?
A straightforward transfer without a change of mortgage typically completes within four to six weeks. Where lender consent is required, the timeline extends to reflect the lender’s processing time. Combined transfer and remortgage transactions take longer because both elements need to proceed in step. We give you a realistic estimate at the outset based on your circumstances.
Does the person being removed from the title need their own solicitor?
Where a financial settlement is being implemented, or an existing mortgage is being discharged, we recommend that the departing owner take independent legal advice to protect their interests. We advise on whether independent representation is essential in the specific circumstances of your transfer.
What does it cost to instruct Law Lane for a transfer of equity?
We do not charge for an initial conversation about your circumstances. We provide a full, itemised fee quote covering professional fees and disbursements before you instruct us. There are no additions once work begins.
Transfer of Equity Team
Saghir Ahmad
Managing Director, SolicitorView Profile | ContactBook Appointment
Brian Hoffman
Consultant SolicitorView Profile | ContactBook Appointment
Amrit Kaur Grewal
SolicitorView Profile | ContactBook Appointment
Ata Ur Rahman
SolicitorView Profile | ContactBook Appointment
Ganga Gunatilake
SolicitorView Profile | ContactBook Appointment
Adedamola Adedeji
SolicitorView Profile | ContactBook Appointment
Kainaat Malik
Trainee SolicitorView Profile | ContactBook Appointment
Rahat Ara Gitu
SolicitorView Profile | ContactBook Appointment
Amina Aziz
ParalegalView Profile | ContactBook Appointment
Esra Demirtas
ParalegalView Profile | ContactBook Appointment
Farzana Mohammed
Trainee SolicitorView Profile | ContactBook Appointment
Christian O. Nwaorah
SolicitorView Profile | ContactBook Appointment
Hafza Hassan
Trainee SolicitorView Profile | ContactBook Appointment
Hina Latif
Legal Consultant / RFLView Profile | ContactBook Appointment
Aiziya Khan
ParalegalView Profile | ContactBook Appointment
Sanushi Sumaya Hemantha
ParalegalView Profile | ContactBook Appointment
Syed Umer Ali
ParalegalView Profile | ContactBook Appointment
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