Changing the names on a mortgage

Need to add or remove someone on your mortgage?

Your home or property may be repossessed if you do not keep up repayments on your mortgage.

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How do I change the names on my mortgage?

Changing the names on your mortgage is also called a 'Transfer of Title' and we're here to help you if you want to do any of the following:

Change your mortgage from a single name to joint names.
Change your mortgage from joint names to a single name.
Remove a joint name and add a new joint name to your mortgage.

Just to let you know, we only allow up to two people on a mortgage account and we'll charge an administration fee - see our change of parties administration fee on our Tariff of Charges. You'll also need to instruct your own solicitor to complete the legal work.

Can I make other changes at the same time?

Yes, you can apply for a new rate, change your term, repayment type or borrow more money. Early repayment charges may apply.

How do I apply for a Transfer of Title?

We'll need to make sure the mortgage will still be affordable for you based on any changes you're wanting to make. We can check this for you if you call us on 0345 302 0190 or Relay UK 18001 0345 302 0190.

You'll need to make sure you've got proof of your income and outgoings for all the parties that will be on your mortgage.

If you pass our affordability checks, we can book you in with a qualified mortgage advisor to complete your application and find the best mortgage for you.

Here's what you need to know before applying

You'll need agreement from anybody you're removing from or adding to your mortgage as they'll need to sign to confirm they're happy.
If you need to borrow more money to buy out another party on your mortgage, make sure you've agreed this amount before you apply.
If you've any other borrowing secured against your home, you'll need to speak to the lender to check they're happy for you to change the names on your mortgage. This will also apply if your home was purchased using a help-to-buy/shared equity scheme.
If your application is part of a divorce settlement, it's probably best to wait until court proceedings have completed before you apply, to avoid your application from expiring.

Frequently asked questions

Are there any costs?

We'll charge an adminstration fee, which we'll refund if the transfer doesn't go ahead. For up-to-date info, see our change of parties administration fee on our Tariff of Charges.
Depending on your circumstances, you may need to pay stamp duty to HM Revenue and Customs. Your solicitor can let you know if you need to pay anything.
If you keep your current rate, you won't need to pay an early repayment charge.

Do I need a solicitor?

You'll need to instruct your own solicitor to complete the legal work, who must be registered with Legal Marketing Services (LMS), so make sure you've discussed this with them first to make sure you're comfortable with their fees as prices can vary between firms.
It’s important that you let us know your solicitor details as soon as possible. Please note, not all solicitors that deal with family matters will be able to deal with conveyancing as well.
Your solicitor will do the legal work for you, they'll also give you an idea of timescales. When we send out your mortgage offer, we'll let them know what we need from them.

What's the application process?

First you'll have a 30-minute chat with one of our Transfer of Title specialists over the phone to make sure your request is affordable and meets our criteria. If, for any reason your application isn't successful, we'll discuss other options and help you understand your next steps.
If we're happy to go ahead, you'll need to give us proof of your income and outgoings such as payslips and bank statements.
You'll have a longer chat with one of our qualified mortgage advisers for about 2 hours over zoom so we can find the best mortgage for you.
We'll need to complete a credit score assessment and you can check here for more information about this in our understanding your credit score guide.
If your application is successful, we'll send you and your solicitor an 'Offer of Loan' which will confirm our loan terms.