Transfer of equity without a solicitor
easily in a few clicks
for £69

It is a change to who legally owns a property, where at least one of the existing owners stays on the title. Adding a spouse, removing an ex-partner by agreement, or gifting a share to a child are all transfers of equity. The property is not being sold on the open market.

Not as a matter of law. HM Land Registry accepts applications from members of the public. A solicitor becomes necessary in practice when a mortgage lender is involved, because the lender will require its own representation — which is why we cannot help with mortgaged property.

Then this service is not for you. The lender has to consent to any change of ownership and will normally insist on a conveyancer acting. We would rather tell you now than take your £69.

£69 for the pack. HM Land Registry charges its own fee for registering the transfer, which starts at £45 and is typically £45–£195 depending on the value of the property and how the application is submitted. You pay that directly to them, not to us.

Yes. Transferring a share — half, a third, any proportion you agree — is a transfer of the whole registered title with the ownership shares changed, which is exactly what this service produces. What we cannot do is split off a physical piece of land, such as part of a garden, because that needs a different form (TP1).

If there will be more than one owner you must declare whether you hold as joint tenants (the survivor automatically takes the whole property) or as tenants in common (each owns a distinct share that passes under their will). The form explains both and generates the declaration of trust in the deed from your answer.

The forms are generated as soon as you have paid — usually within a couple of minutes. How long HM Land Registry then takes to register the change is up to them.

On a genuine gift, where no money changes hands, there is no chargeable consideration and no Stamp Duty is payable — however valuable the property. Where money does change hands, a return may be due. Our system works out from your answers whether an SDLT return (or a Land Transaction Tax return, for property in Wales) is required, and your guidance notes set out exactly what to do, including a link to HMRC's official calculator for working out any tax payable. We prepare the paperwork; we do not give tax advice.

Call us on 0330 043 0355 before you buy if you want to check the service fits your situation. The pack includes step-by-step guidance for signing, witnessing and submitting.