Home  /  Insights  /  Property Legal, Risk & Compliance
Property Legal, Risk & Compliance  

How to Transfer Ownership of a House Without Selling It

Options for gifting or sharing ownership of a property.

How to Transfer Ownership of a House Without Selling It Property Legal, Risk & Compliance

Updated October 2026 · Fraser Bond

Legal · Ownership

Transferring a property without a sale

Giftor transfer of equity
Mortgagelender consent
TaxSDLT, CGT, IHT
Land Registryupdate title
In short: You can transfer all or part of a property without selling it, for example by gifting it to a family member or adding a partner to the title (a transfer of equity). If there's a mortgage, the lender must agree. Stamp duty may be due if the person receiving the property takes on mortgage debt or pays money. Gifting a property that isn't your main home can trigger capital gains tax, and gifts can fall into your estate for inheritance tax if you die within seven years. A solicitor will handle the Land Registry forms. This is general information; take legal and tax advice.
Transfer typeKey points
Gift of whole propertyCGT may apply if not your main home; IHT seven-year rule
Transfer of equityAdding or removing an owner; lender consent
Into a trustSpecialist advice needed
On divorceSpecial tax rules may apply

Common ways to transfer ownership

Frequently asked questions

Can I give my house to my children?

Yes, but there can be tax consequences, and the seven-year rule for inheritance tax applies.

Do I pay stamp duty on a gift?

Usually not, unless the recipient takes on a mortgage or pays money.

Can Fraser Bond help?

We can provide valuations for transfers.

Need a valuation for a transfer?

Get a free valuation.

Get a free valuationSpeak to our team

Related guides

Next step

You are one message away from an answer.

If you have a question

Send it to us and get a straight answer.

Describe the property and the problem. We will tell you what we would do, what it should cost, and if we are not the right people, who is.

  • Replies the same working day
  • The person who answers is the person who handles it
  • No fee, and no obligation to instruct us
If you are looking for a property

See everything we are instructed on.

Sales and lettings across Prime Central London and the wider UK, with the same team behind every listing.

  • Residential and commercial in one search
  • Filter by borough, budget and size
  • Register once and we will send matches first