Transfer of Equity — Specialist Solicitors in England and Wales

FormLL connects you with specialist transfer of equity solicitors in England and Wales. Whether you need to add a partner to your property title after marriage, remove an ex-partner following separation, gift your property to your children or move a buy to let property into a limited company — we connect you with the right specialist. Call for a free assessment, or request a callback below.

What Is a Transfer of Equity?

A transfer of equity is the legal process of changing who owns a property by adding or removing a person from the title register at HM Land Registry — without a full sale taking place. It is one of the most common property law transactions in England and Wales. A Transfer Deed (Form TR1) must be prepared by a solicitor, all relevant parties must sign, and the change must be registered at Land Registry.

Common Reasons for a Transfer of Equity in England and Wales

• Marriage or civil partnership — adding a new spouse or partner to a property you already own
• Divorce or separation — removing an ex-partner from the title as part of a financial settlement
• Gifting to children — transferring property to adult children, often for inheritance tax planning
• Removing a deceased owner — updating the title register following the death of a joint owner
• Transfer to a limited company — landlords restructuring buy to let properties into a limited company
• Adding a family member — adding a parent or sibling to assist with mortgage affordability

The Transfer of Equity Process

Stamp Duty Land Tax on a Transfer of Equity

Stamp Duty Land Tax (SDLT) may be payable on a transfer of equity in England depending on whether money changes hands and whether a mortgage is involved. Where a property is gifted with no mortgage, SDLT may not be payable. Where a mortgage is involved the incoming party is treated as taking on a share of the debt which may be chargeable. An SDLT return must be filed within 14 days of completion regardless. Your transfer of equity solicitor will calculate any liability before proceeding.

Transfer of Equity to a Limited Company

Transferring a buy to let property from personal ownership to a limited company in England and Wales is treated as a disposal for Capital Gains Tax and as a sale for SDLT purposes. Most residential mortgage products do not permit limited company ownership so refinancing is usually required alongside the transfer. Specialist advice is essential before any company transfer is undertaken. Call .

Frequently Asked Questions