Can I add someone on to land registry?

pinklipy

Hi,

As the title says, can I just add someone on to the land registry?
My sister & I inherited a property 10 years ago in both our names, we then remortgaged the property in my name only, so now the property is only in my name my mortgage but she owns half, and I need it somewhere in writing that she is a joint owner. Hope that makes sense!

Thanks

Joe_Bloggs

I am sure this can be done if you get in touch with a solicitor. Alternatively contact the land registry office direct and ask them.
J_B.
I forgot to mention the Land Registry Scotland service here.

Land_Registry

If the property is in England or Wales and is registered then transferring the title into joint names would require you to complete a legal Transfer in form TR1 from yourself to you and your sister. The form would be lodged together with an application form AP1.
Forms AP1 andTR1 plus notes to assist with their completion are available on our website via the link provided by Joe_Bloggs.
You may need to contact your mortgage lender for them to approve/consent to any change.
There may be alternative ways for you/your sister to protect her interest (right of title) in the property and these are best explored with a legal adviser.
Land Registry can assist with explaining our procedures and in the completion of our forms but is unable to provide legal advice.

System

You would also need to talk to your mortgage provider as they do not like people having an interest in a property without being party to the mortgage.

I would question how you managed to get a mortgage on the property without involving your sister in the first place. There is something not quite right about that.

pinklipy

To be honest at the time it was done, I just signed what needed to be signed ect and went along with it all, I was quite young (sister older) all I know is that the property is in my name and the mortgage solely my name also.
The only place it states that it was jointly inherited was in the will, then my sister "bought" it from me then I "bought" it back as she was maby looking at bankruptcy. The problem now is their is a fair bit of capital in the property and I want it known that half is hers (benefit purposes).

Any advise would be appreciated
Thanks

pinklipy

Oh and it's Scotland.
Thanks

holly_hobby

The lender will require any individuals named on the deeds, to also be party to the mortgage (which means status checks, and that she will become jointly and severally liable with you for the servicing of the mortgage).

She may be happy to do this, she may not (as it will affect her own mge borrowing capacity) - the alternatives as discussed by the LR rep (which is the first time I have seen them on here .. so hello !), are a poss alternative - although Scottish conveyencing regs may require a different course taken.

Hope this helps

Holly

pinklipy

Sorry I don't really understand! She has bad credit and is unable to get another mortgage for a while. I think I will just have to go to a solicitor and get something drawn up that states she owns half the property? Would that be sufficient to prove to dwp?

Thanks

System

pinklipy wrote: »

The only place it states that it was jointly inherited was in the will, then my sister "bought" it from me then I "bought" it back as she was maby looking at bankruptcy. The problem now is their is a fair bit of capital in the property and I want it known that half is hers (benefit purposes).

Any advise would be appreciated
Thanks

Ah I understand now. You took ownership to prevent it being included in her possible BR (fiddle 1). Now you want her to own half of it to better your benefit claim (fiddle 2).

pinklipy

!!!!!!:

Yes thats right, it's really because as it stands now I get ctc & wtc but when universal credit comes in they will take any capital you have into account, as it's all in my name it will be seen as all the capital is mine when it is not. I will then be pushed over the capital limit an be entitled to zero.

Thanks

pinklipy

I don't want he to own half, she DOES own half.