May I just add a comment. What Lady P says is correct. Years ago it was possible for a joint owner to mortgage a property without the knowledge of the other owner(s). However, two things have happened since (1) all registered land proprietors are on the Land Registry computer so that is only a couple ofclicks to see the name(s) of owners, and (b) there was a very important case that established that if the other owners do not know of a loan or mortgage or transfer of equity then the lender is liable for damages to them, and a whacking great sum was awarded. The consequence is that to avoid this liability where there is transfer of equity, loan or new mortgage lenders now require all parties to appoint a separate individual solicitor to protect their interests and ensure that everyone understands and knows what is going on, and will not move until this has been done and the solicitors certify that everyone understands.