Adding a name to property title deeds

[minks]

Does anybody know how to go about getting a name added to the title deeds on a property. My partners house is in his name only however I am now living there as well and pay half of everything. Last year he had some financial problems & I paid all his debts to clear them. He has suggested we add my name to the deeds. The house is mortgaged in his name only - do we need to change this as well. What details would we need to supply if we were to go ahead. I have all the usual proofs of ID etc bank accounts, passport, driving licence etc, however my partner does not drive or have a passport (which I think he would need as ID - is there anything else he can use) He has bank accounts, household bills etc. Also what costs are likely to be involved.

[Postdog]

Might be better posting this in a more appropriate category

[cully]

minks, this is not something you should risk getting even slightly wrong.

Find a good, local (ie not too expensive) solicitor and get him to handle it for you.

Could be cheaper in the long run....

[beachkat]

Fairly simple process so you could use a conveyancing agency rather than a solicitor. you can get advice from the Land Registry (with whom it has to be registered) here:
http://www.landregistry.gov.uk/www/wps/portal/ !ut/p/c1/04_SB8K8xLLM9MSSzPy8xBz9CP0os3gfN1MTQ wt381DL0BBTAyNjY0cTE19PQwN3M6B8JB55A2J0G-AAjoR 0-3nk56bqF-SGRpQ7KioCALdDEtQ!/dl2/d1/L2dJQSEvU Ut3QS9ZQnB3LzZfTEY1NDE4RzdVOVVUNTAyMzNBNDRNSTE wODQ!

[SHP53]

Although this is an old conversation, I have stumbled upon it as I sought to find out how to correct an error that put only my name on the mortgage when we bought this house, which in turn meant that the house is registered in only my name at the Land Registry rather than in joint names with my partner. Because of the contradictory comments, I rang the Land Registry Helpline (0844 892 1111) where a very helpful man explained that I would need to submit Forms TR1, AP1 and ID 1. When these were processed my partner would be added to the Registry for a fee of about £70. That’s the good news. The bad news is that this can only be done if both names are on the mortgage. So I duly rang my mortgage provider (LloydsTSB) who explained that to do so I would effectively have to close my current mortgage and open a new one in joint names. Moreover, this would have to be done through a solicitor. Other than paying the stamp duty, this would therefore be like selling and then re-purchasing my own house. LloydsTSB charges would be in the region of £260 + VAT (£312 at 2011 rates), plus there would be the various solicitor’s charges and costs. Overall, adding my partner’s name to the mortgage would therefore cost me in excess of £1,000. The LloydsTSB advisor was apologetic and explained that this is all due to the requirements of the Financial Services Authority. The whole point of this exercise was to ensure that my partner would be recognised in law as the owner of our house should I die. I am therefore going to resolve this matter by making that clear in my will, the cost of doing being trivial in comparison to changing the mortgage.