Deeds house cost

[dba3087108]

My wife and I have been living in what was her marital home for the past 15 years. We both agree that I should be put on the deeds. Is this something we can do ourselves or will a solicitor need to be involved?

[Sir Bagalot]

Is the property mortgaged? If so then the lender will insist on a conveyancer.

If not call the Land Registry and ask what forms are needed. It's easy enough to do

[Sheepshanks]

I think the tricky thing, if doing it directly with the Land Registry, are the ID requirements.

[Tanyastar]

If you don’t have a mortgage you can do it yourselves, you would need form TR1. You would also need a copy of the Title from the Land Registry so you can draft it properly and you have to make sure it is also executed correctly.

Where ID is concerned you would probably need ID1’s which have to be signed by an authorised verifier.

A solicitor would in the course of the transaction advise as to the pitfalls of a transfer of equity as your wife would effectively be giving her equity away and they could only act for one of you (your Wife as the property is in her name). That solicitor would deal with her ID also. You could also choose to employ a solicitor or be essentially unrepresented (not uncommon at all) and you would still need to do the ID1.

Bear in mind that when the Transfer has been executed you will need to apply to the Land Registry to change the register (AP1). I’ve never done it outside of work but I assume it will be the same.

The new system the Land Registry have is largely more consumer friendly than it has been in the past but they will chuck an application back to you for even the slightest error. I suggest you take a whole load of time when submitting it to save a world of pain and delays. When the Land Registry raise a requisition they love to word them so they are almost impossible to decipher.

If there is a mortgage then the whole of the above is not going to help you. You will have to get the consent of the Lender to the transfer and will need a solicitor or licenced conveyancer to act for your Wife and the lender.

[Sheepshanks]

Tanyastar said:

Where ID is concerned you would probably need ID1 s which have to be signed by an authorised verifier.

I think it's ID3 if the verifier isn't a solicitor / conveyancer etc.

[alscar]

Iirc the ID3 form was bought in during Covid but no idea as to whether this was specific and now not used in place of the ID1 or whether the ID1 is back to being the only form.
When I had to sell a relatives house during Covid it was under LPA powers but also had to get another drafted ID form also then signed by another Solicitor.

[Sheepshanks]

alscar said:

Iirc the ID3 form was bought in during Covid but no idea as to whether this was specific and now not used in place of the ID1 or whether the ID1 is back to being the only form.
When I had to sell a relatives house during Covid it was under LPA powers but also had to get another drafted ID form also then signed by another Solicitor.

Looks like you can still use ID3 but they've substantially cut down the range of professions that can verify - it did originally include teachers, vets etc.

[alscar]

Sheepshanks said:

alscar said:

Iirc the ID3 form was bought in during Covid but no idea as to whether this was specific and now not used in place of the ID1 or whether the ID1 is back to being the only form.
When I had to sell a relatives house during Covid it was under LPA powers but also had to get another drafted ID form also then signed by another Solicitor.

Looks like you can still use ID3 but they've substantially cut down the range of professions that can verify - it did originally include teachers, vets etc.

Which probably makes sense.
Tbh the list of those deemed acceptable to countersign various documents has always seemed a bit strange in todays world.
Our local post master who I doubt my youngest son has ever even met was quite happy to sign off on something for him last week.

[Tanyastar]

sorry my bad, ID3 are still a thing!