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Conveyancing quotes

Conveyancing Quotes for Transfer of Equity

Transferring equity on a property you own? Tell us about the transfer and a specialist from our panel will call you with the cost - free, and with no obligation.

Transferring equity

Adding or removing someone from the title of a property you own.

How it works

Three steps to a clear price

No obligation, and no charge for the conversation.

Tell us about the property

Answer a few questions about the property and the transfer, including whether there is a mortgage on it.

A specialist calls you

They confirm what you need and what it will cost, before anything is drawn up.

Go ahead when you are ready

Nothing is drawn up, and nothing is charged, until you have agreed the cost.

Why Compare Conveyancing Quotes

A regulated specialist, and a price before you commit

Everything you need to get a transfer of equity handled properly, by a firm that does them every week.

An itemised cost, not a range

The specialist sets out the legal fee, VAT and the Land Registry fees that apply to your transfer — the full picture before anything starts.

Agree the cost first

The specialist confirms what the work involves and what it will cost before anything is drawn up — nothing is charged until you have agreed it.

SRA & CLC regulated solicitors

Your enquiry goes only to conveyancing solicitors and licensed conveyancers regulated by the SRA or the CLC.

Rated by real home movers

The firms on our panel carry independent review scores from movers who used them, so a low price never means a leap of faith.

Priced on the facts

What a transfer of equity costs turns on the mortgage, the share moving and whether money changes hands — so a specialist quotes it on your circumstances rather than from a table.

Every transaction covered

Conveyancing and property transfers — purchases, sales, remortgages and transfers of equity, including buy-to-let and shared ownership.

Conveyancers across the UK

Our panel covers England, Wales, Scotland and Northern Ireland, with firms that work remotely — so you're never limited to your local high street.

Free to ask, data protected

Asking is free with no obligation. We share your details with the specialist who calls you — see our privacy policy for how your data is handled.

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The basics

What a transfer of equity involves

A transfer of equity changes who legally owns a property without selling it. The property stays where it is and at least one existing owner stays on the title. What changes is who else is on it.

It comes up on separation, on marriage, when a parent is added to or removed from a title, and when one co-owner buys another out. The legal work is the same shape each time: a deed transferring the share, the consent of any lender with a mortgage over the property, and registration of the change at HM Land Registry.

Two things catch people out.

The first is the mortgage. If there is one, the lender has to agree, and whoever is left on the title has to be able to carry the borrowing on their own. That is a lending decision, not a legal one, and it is the step most likely to stop a transfer.

The second is stamp duty. A transfer made as a genuine gift, with nothing given in return, does not attract it. But taking on liability for a share of the mortgage counts as consideration, and if that amount is over the threshold, stamp duty can be payable on a property nobody is buying. It surprises people regularly, and it is one of the first things worth checking.

Remortgaging as part of the transfer? →

Equity is the value of your property, minus the outstanding sum of your mortgage: Value – Outstanding Mortgage = Equity.

So, if your house is worth £200,000 and you have a remaining mortgage of £130,000, you have £70,000 equity.

Transfer of Equity is where a co-owner transfers their share in a property to another co-owner. The most common situations for a transfer of equity are:

Do I need a conveyancer when transferring equity?

Yes. When transferring equity, you do need to instruct a solicitor.

How will a conveyancer help when completing a transfer of equity?

When completing a transfer of equity, your conveyancing solicitor will be responsible for:

Questions

Frequently asked

Do I have to pay stamp duty on a transfer of equity?

Sometimes. If the transfer is a genuine gift and nothing is given in return, there is no stamp duty to pay however much the share is worth. If the person taking the share also takes on part of the mortgage, that counts as consideration, and stamp duty is due if it comes to more than the threshold. It catches people out because no money changes hands.

Does my lender have to agree?

If there is a mortgage on the property, yes. The lender has to consent to the change and will assess whoever is left on the title as though they were applying fresh. If they cannot carry the borrowing alone, the transfer usually cannot proceed without remortgaging or repaying the loan.

Can I do this during a divorce or separation?

Yes, and it is one of the commonest reasons for a transfer. Where there is a court order dealing with the property, the transfer needs to reflect it exactly, so your conveyancer will want to see the order before drafting anything.

Why can I not get a price on screen like the other pages?

Because a transfer of equity is not priced off a few facts the way a purchase or a remortgage is. What it costs depends on the mortgage position, whether a court order is involved and how many people are on the title. A specialist works that out with you on the phone, at no charge, rather than quoting you a number that changes later.

Ready to get started?

Tell us about the property and a specialist will call you with the cost. Free to ask, no obligation.

Tell us about the transfer
Tell us about the transfer