If there’s a mortgage, remember to get permission from your mortgage provider
If your mortgage is with us, we’ll check to see that anyone who remains on the mortgage after the transfer meets our lending criteria. If they do, we’ll give written consent so the transfer can take place. We may charge a fee for the administration involved.
Appoint a solicitor to change the names on the title of your property
Your solicitor will prepare a deed, which contains the changes you want to make to the title register. Whether you’re being added, removed or you’re staying on the register you need to sign the deed, in the presence of an independent witness. You’ll have to pay legal costs and this will include a Land Registry fee.
Changes to the names on the title of your property
You may be able to remove your name from the title register yourself, but this won’t automatically remove you from the mortgage.
We need to give our consent for this to happen and we won’t remove anyone from the mortgage until we have written confirmation from your solicitor that the transfer has been legally completed.
Until we’ve agreed to the changes, everyone named on the mortgage will remain liable for the repayments.
If the transfer is part of a divorce settlement, you may need a court order before it can be finalised.
Your solicitor will be able to advise you on the process and how long it’ll take.