Transferring Your Equity
A transfer of equity involves changing the ownership of a property, whether you are adding or removing someone from the title. This can arise for a variety of reasons, including relationship changes, tax planning, gifting property or restructuring ownership.
At JB Property Law, we provide a clear, supportive and efficient service, ensuring the process is handled correctly and with minimal stress.
A More Personal Approach to Conveyancing
We operate with smaller caseloads than high-volume “factory” firms, allowing us to give your matter the time and attention it deserves.
This means:
-
Your transaction is handled with care and precision
-
We take the time to explain the process clearly
-
You have a consistent, named point of contact throughout
We also act for many neurodivergent clients and understand that legal processes can sometimes feel overwhelming or unclear. We adapt our communication to suit you, including:
-
Clear, structured guidance
-
Breaking down steps into manageable stages
-
Providing information in a way that works best for you
Flexible Appointments,
Transparent Fees & A single Point Of Contract
You will have a dedicated, named lawyer handling your transfer from start to finish, giving you continuity, accountability and peace of mind throughout the process. Unlike high-volume firms where your matter may be passed between different teams, your lawyer will know your file in detail and be there to guide you at every stage.
We believe communication should be straightforward and accessible. You will be provided with your lawyer’s direct dial, mobile number (with the option to communicate via text or WhatsApp) and email address, so you can get in touch in a way that works best for you. Whether you have a quick question or need more detailed guidance, we are easy to reach and responsive when you need us.
We also understand that life doesn’t always fit into standard office hours. That’s why we offer bespoke appointment times, including out-of-hours where needed, so you can speak to us at a time that suits you.
Our service is built on transparency and clarity. We offer clear, fixed fees with no hidden surprises, along with straightforward explanations of costs from the outset, so you always know where you stand.
What Does a Transfer of Equity Involve?
A transfer of equity is the legal process of changing who owns a property. This may involve one or more parties being added or removed, and sometimes a mortgage lender will also need to consent.
The process typically includes:
-
Instruction & Initial Checks
We open your file, carry out identity checks and review the current title. -
Reviewing Ownership & Mortgage Position
We establish whether a lender is involved and what consent or requirements apply. -
Preparing the Transfer Documentation
We draft the legal documents required to transfer ownership. -
Lender Consent (if applicable)
If there is a mortgage, we liaise with the lender and satisfy their conditions. -
Signing & Completion
The transfer is signed and completed, with any funds being transferred as required. -
Registration
We update HM Land Registry to reflect the new ownership.
Timescales – What to Expect
A transfer of equity typically takes around 2–6 weeks, although this can vary depending on the circumstances.
Factors that may affect timescales include:
-
Whether lender consent is required
-
The complexity of the ownership arrangement
-
The speed of receiving signed documentation
-
Any additional legal or financial considerations
Some transfers can be completed quickly, particularly where no lender is involved, while others may take longer if approvals are needed.
Our role is to keep the process efficient and straightforward, ensuring everything is handled correctly while keeping you informed at every stage. We will always provide realistic timescales and clear updates throughout.