Changing title deeds in the UK is a necessary step when transferring a property into someone else's name. But just how much does it cost to change title deeds in the UK?

 Any time someone wants to transfer part or all of their property to someone else, a Transfer of Ownership is required. With this comes certain costs, which need to be understood before taking the next steps. Several factors can affect the cost of a change to title deeds.

In this article, we'll look at the potential costs of changing title deeds and typical reasons for changing deeds. By the end, you should have a good understanding of what's involved and how much it could cost you.

How Much Does It Cost to Change Title Deeds in the UK?

According to Compare My Move, the cost of a Transfer of Equity could cost up to £5,298, plus 1-5% of the property value. Included in this figure are solicitor fees, anti-money laundering checks, a bank transfer fee, Land Registry fees, freeholder consent, Stamp Duty, and remortgaging. This is their calculation for the average house price of £277,000.

However, it should be noted that a Transfer of Equity could potentially cost a lot less than this.

Costs Associated with Changing Title Deeds

There's no set figure for the cost of changing title deeds. It changes depending on several factors, with multiple potential costs involved.

The main costs involved in changing title deeds are:

•    Solicitor fees - between £250 and £750 +VAT
•    Land Registry fee - £330 based on a property value of £277,000
•    Stamp Duty - 0% on the first £125,000, 2% on the next £250,000, and between 5% and 12% for the next three bands
•    Remortgaging costs - deeds release fee between £50 and £300, early repayment fee as a percentage of the outstanding debt, arrangement fee, valuation fee

Factors That May Affect the Cost

A few different factors could affect the cost of your solicitor's fees and other expenses. The complexity of the change to the title deeds may affect the cost. A more complicated case could be more expensive to resolve. The location of the property may be important too. It can affect solicitor fees and other costs.

Each solicitor or conveyancer sets their own fees. While they may typically fall within a certain range, they can be influenced by location, experience, and more. You can get a quote from a solicitor or conveyancer to understand their costs.

changing title deeds on uk property

Types of Fees Involved

Some of the types of fees that are generally involved in a Transfer of Equity are solicitor or conveyancer fees, Land Registry fees, and any additional costs and disbursements.

Solicitor or Conveyancer Fees

These are the fees your solicitor or conveyancer will charge for carrying out necessary checks and completing legal requirements.

Land Registry Fees

The Land Registry is a record of property interests and ownership. A fee is charged to change details, which is affected by the type of transfer and the value of the property.

Additional Costs and Disbursements

•    ID checks - £9-10
•    Electronic bank transfer - £20-40
•    Search indemnity insurance - £50-100
•    Freeholder consent - up to £250

How to Estimate the Cost of Changing Title Deeds

To find out how much your costs could be, start by getting quotes from solicitors or conveyancers. Take a look at Land Registry fees and use their calculator to work out how much you are likely to pay.

Don't forget to consider other potential expenses based on the type of transfer. Everyone's circumstances are unique, so it's helpful to know how yours will influence costs.

Tips for Managing Costs

If you want to manage the costs associated with changing title deeds, start with smart budgeting and financing planning. Get a good idea of costs and work out how to fit them into your budget and save if necessary. 

You can find ways to keep some costs down to save yourself some money. Our conveyancing solicitors are fairly priced, making the process affordable for you.

What Are Title Deeds?

Title deeds are legal documents that show the chain of ownership for land and property. HM Land Registry keeps digital records of title deeds, so paper deeds are no longer used. The title deed is used to determine who owns land or a property and the ownership history. 
They can include conveyances, wills, contracts for sale, mortgages, and leases. Changes to title deeds generally involve adding or removing names, perhaps as part of a sale but also for other property transfer reasons.

what are title deeds

Why Would You Need to Change Title Deeds?

There are various reasons title deeds might need to be changed. In addition to the sale of a property, title deeds might be changed due to a marriage, divorce or relationship breakdown, a death, or if the property is being gifted. In addition to a Transfer of Equity, a change in the title deeds might be required because of a change of name.

Legal Requirements and Circumstances

Changing title deeds involves adhering to specific legal requirements and addressing particular circumstances. These can vary depending on factors such as the type of property involved, any existing legal agreements, and local regulations. It's crucial to understand the legal framework governing property ownership and transfer to ensure that any changes to title deeds are conducted correctly and legally.

1.    Property Type: The legal process for changing title deeds may differ based on whether the property is freehold or leasehold. Freehold properties typically grant the owner outright ownership of both the land and the buildings on it, whereas leasehold properties involve a lease agreement with a landlord who retains ownership of the land. Changing title deeds for leasehold properties often involves additional considerations and may require consent from the landlord or management company.
2.    Existing Legal Agreements: If the property is subject to any legal agreements or restrictions, such as covenants, easements, or rights of way, these must be taken into account when changing title deeds. These agreements may impact the ability to alter the title deeds or require negotiations with relevant parties to obtain consent for changes.
3.    Local Regulations: Local planning regulations and zoning laws may affect the process of changing title deeds, particularly if the proposed changes involve alterations to the property's use or structure. It's essential to ensure compliance with these regulations to avoid legal issues or potential challenges in the future.
4.    Financial Considerations: Changing title deeds may have financial implications, such as stamp duty land tax (SDLT) or capital gains tax (CGT). These taxes can vary depending on the value of the property and the nature of the changes to the title deeds. Seeking advice from a qualified legal professional or tax advisor can help navigate these financial considerations effectively.

Potential Implications of Title Deed Changes

Changing title deeds can have various implications, both legal and practical, that should be carefully considered before proceeding with any alterations. Understanding these implications is essential to make informed decisions and mitigate any potential risks or complications that may arise.

1.    Legal Clarity: Altering title deeds can provide clarity regarding property ownership, boundaries, and rights associated with the property. This can help resolve disputes or uncertainties that may arise due to outdated or inaccurate title deeds.
2.    Property Value: Changes to title deeds may impact the value of the property, particularly if they involve alterations to its use, size, or ownership structure. It's essential to assess the potential impact on property value and consider any implications for future resale or financing arrangements.
3.    Liability and Obligations: Changing title deeds may affect liability for obligations such as maintenance, insurance, and compliance with legal requirements. It's crucial to understand how these obligations may change and ensure that all parties involved are aware of their respective responsibilities.
4.    Future Transactions: Changes to title deeds can affect future transactions involving the property, such as selling, mortgaging, or transferring ownership. It's essential to consider how these changes may impact any future plans or arrangements concerning the property.
5.    Legal Risks: Any alterations to title deeds should be carried out with careful consideration of potential legal risks or challenges. This may include ensuring compliance with relevant laws and regulations, obtaining necessary consents or permissions, and documenting the changes accurately to avoid future disputes.

What Is Involved in the Transfer of Equity

A transfer of equity refers to the process of changing the ownership structure of a property by adding or removing individuals from the title deeds. This can occur for various reasons, such as marriage or divorce, transferring ownership between family members, or adding or removing a co-owner. The process typically involves several key steps:

1.    Legal Documentation: The parties involved must prepare legal documentation to formalise the transfer of equity. This often includes a Transfer Deed, which outlines the details of the transfer and is signed by all parties.
2.    Property Valuation: In some cases, a property valuation may be required to determine the current market value of the property. This valuation helps establish the equity stake being transferred and may be necessary for tax purposes or mortgage lender requirements.
3.    Mortgage Considerations: If the property is subject to a mortgage, the lender's consent may be required for the transfer of equity. The lender will assess the financial circumstances of the parties involved and may need to make adjustments to the mortgage arrangements.
4.    Legal Process: Once all necessary documentation is prepared and any mortgage considerations are addressed, the transfer of equity can be completed. This typically involves registering the changes with the Land Registry and updating the title deeds to reflect the new ownership structure.
5.    Legal Advice: It's essential for all parties involved in a transfer of equity to seek independent legal advice. A conveyancing solicitor can provide guidance on the legal implications of the transfer, ensure that all necessary documentation is prepared correctly, and facilitate the smooth completion of the process.

Stamp Duty When Transferring Equity

If the value of the transfer is over £125,000, Stamp Duty may be due. This depends on whether the transfer is a gift or money is exchanged. Stamp Duty is also payable if the transfer occurs due to marriage, a civil partnership, or a couple moving in together.

What are the Tax Implications of an Equity Transfer?

Transferring equity in a property can have various tax implications that individuals should be aware of before proceeding with the transfer. Some key considerations include:

Stamp Duty Land Tax (SDLT) 

In England and Northern Ireland, SDLT may be payable on the consideration given for the transfer of equity, depending on the value of the equity transferred and the individual circumstances involved. However, certain exemptions or reliefs may apply, such as transfers between spouses or civil partners.

Capital Gains Tax (CGT)

Transferring equity in a property may trigger CGT if the transfer results in a gain in value since the property was acquired. However, there are certain exemptions and reliefs available, such as Principal Private Residence Relief (PPR), which may apply depending on the specific circumstances of the transfer.

Tax implications of changing title deeds

Inheritance Tax (IHT)

Inheritance tax may be a consideration if the transfer of equity involves a gift, particularly if one of the parties involved passes away within seven years of the transfer. However, certain exemptions and reliefs may apply, such as the annual gift allowance or exemptions for transfers between spouses or civil partners.

Income Tax

There are no direct income tax implications associated with the transfer of equity itself. However, individuals should consider any potential indirect tax consequences, such as changes to rental income or mortgage interest relief, that may arise as a result of the transfer.


The cost of changing title deeds varies, with a few different factors affecting the final cost. It's important to do your research to find out how much it could cost you. The circumstances surrounding the changes need to be taken into account.

It's always best to get professional advice for title deed changes. TBI can help you tick all of the required boxes to complete your title deed changes properly. Get in touch with us today at any of our Teesside branches:

•    Hartlepool Solicitors
•    Stockton Solicitors
•    Barnard Castle Solicitors
•    Wynyard Solicitors