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new deeds
glen70
Posts: 82 Forumite
My partner bought her council house a year ago cash so no mortgage.I have lived with her since and helped her buy it.my name has been on the electrol etc for a year we are getting married in August and need to either remortgage or get a loan for the wedding. I need my name on the deeds for a mortgage?
Thanks any advice welcome :-)
Thanks any advice welcome :-)
0
Comments
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It is her house, not yours.
If she wishes to give you a share of the ownership (either as Tenants in Common or Joint Tenants) that is up to her.
It can be done very simply/cheaply if she wishes.
https://www.gov.uk/government/publications/registered-titles-whole-transfer-tr1
If she wishes to keep the property in her name, and raise a mortgage in her own name, she can (subject to mortgage eligibility).
If she wishes to raise a mortgage in your joint names (ie to take advantage of your income), she will need to sell or gift you a share in the property.0 -
Hi is it a tp1 we need ? We just want both names on the deeds0
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You don't do it yourself. The solicitors will deal with it at the same time as the remortgage.0
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See my earlier link.Hi is it a tp1 we need ? We just want both names on the deeds
You are not transferring ownership of part of the property (ie just the garden), you are transferring the whole property (I asume!)
As david says, you'll need to pay a solicitor for the mortgage, so might as well get him to do the ownership transfer at same time.0 -
It really isn't a good idea to get a mortgage to pay for a wedding. Im not sure you would be granted one anyway.
Get a loan much easier seeing as you have no mortgage anyway at the moment.
Treat the 2 things completely separately
What do you mean when you say your partner bought the house and since then you have helped her pay for it. ?make the most of it, we are only here for the weekend.
and we will never, ever return.0 -
Thanks for the advice.i payed for the house in cash so no mortgage ect.looks like we will just get a loan for the wedding and get a solicitor to sort out the deeds.
Thanks0 -
Why on earth pay a solictor to sort out the deeds unless you are getting a mortgage?
This IS a moneysaving forum......0 -
I am sorry I don't really understand which is the best way to get my name on the deeds?0
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You may not be able to alter the deeds for 5 years without paying the council back some of the discount your partner received for being the former council tenant.I'm a Forum Ambassador on the housing, mortgages & student money saving boards. I volunteer to help get your forum questions answered and keep the forum running smoothly. Forum Ambassadors are not moderators and don't read every post. If you spot an illegal or inappropriate post then please report it to forumteam@moneysavingexpert.com (it's not part of my role to deal with this). Any views are mine and not the official line of MoneySavingExpert.com.0
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We were told after a year I could be put on the deeds.the council said we just need to get a solicitor to sort all the forms out but surely we can fill in the forms0
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