Transferring ownership of your home
Sometimes life changes mean you need to update who legally owns your home. This process is called a transfer of ownership.
It could involve adding or removing someone from the deeds, or transferring the home altogether after events such as marriage, separation or bereavement.
This page explains what the process involves, what documents you’ll need, and how we can support you along the way.
If you’re a leaseholder
In most cases, you don’t need our permission to transfer ownership. However, it’s important to check your lease first, as some restrictions may apply.
If you’re not sure, we recommend speaking to your solicitor or our Homeownership team.
If you’re a shared owner or equity loan holder
You’ll need our approval to transfer ownership. There are four steps to follow:
- Step one: Send us your documents
To start the process, email us with the following documents:
- a completed Transfer Request form for shared owners (PDF) or Transfer Request form for equity loan holders (PDF) signed by all current legal owners
- a copy of your mortgage offer in the new names (if applicable)
- proof of ID for any new owners
- if remortgaging: a completed Remortgaging and Further Advance form and your redemption statement
Once we receive your documents, we’ll open your case within 10 working days.
Bereavements
If the transfer follows a bereavement, please also provide:
- a copy of the death certificate
- the Grant of Probate or a copy of the Will
Remortgaging or further advance
Transfers often happen at the same time as a remortgage or further advance. If so, please follow the remortgage process as well.
If you’re remortgaging, your lender or solicitor may also ask us for:
- a Mortgage Undertaking/Letter of Approval (for shared owners)
- a Deed of Postponement (for equity loan customers or former RTB/RTA homeowners within the first five years)
These legal documents can take up to five working days to complete.
- Step two: Pay our admin fee
We’ll contact you (or your solicitor) to arrange payment of the administration fee.
Payments are taken by card over the phone on 0208 189 7465 (option 1, then option 2).
Once fees and arrears are cleared, we’ll email written consent to you or your solicitor.
- Step three: We update our records
We’ll update our household records to show the new ownership.
Important: Your solicitor must send the updated title register to the Land Registry and provide us with a copy.
- Step four: Completion
After completion, your solicitor will serve the relevant notices to our Homeownership Completions team, along with the admin fee.
Fees and legal costs
There are fees for processing your application. You may also need to pay solicitor fees to complete the legal paperwork.
Help and support
If you have any questions about transferring ownership of your home, please message our Remortgaging and Further Advance team.
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