Frequently Asked Questions
FAQ Topics

What is a transfer of equity mortgage?

A transfer of equity mortgage is the process of remortgaging (changing lender) while at the same time adding or removing someone from the mortgage.

A Transfer of Equity (ToE) is where the current owners wish to alter who is registered as an owner of the property, the alteration must always leave one original owner remaining on the title.

These changes might be needed if you marry and want to add your spouse as a co-owner. Or it could be that the property was originally purchased jointly and that relationship has now ended. This is commonly referred to as buying someone out of a house.

It is more common for a transfer of equity to take place alongside a re-mortgage but the legal side is still applicable to unencumbered properties.

A remortgage lets you make quite a few changes to your mortgage arrangement, here’s our Top 8 acceptable reasons for a remortgage.

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Choosing a mortgage is an important financial decision and it’s easier with someone who’s on your side. We work as a whole of market mortgage broker so that you get the best possible choice of mortgages.



We are perfectly placed to help you find a buy to let mortgage solution that matches your property needs for individuals, families, investors, landlords and Limited Companies.

buy to let mortgages

We are experienced whole of market brokers who can help you get a great holiday let mortgage.

We can also give you access to exclusive schemes and some specialist lenders who don’t deal direct with borrowers. Loans are available to individuals and SPV’s upto 75% and we can help with Scottish properties, mixed use, multi-lets and Airbnb.

Our holiday let mortgage brokers know the lenders and their lending criteria well, enabling us to guide you to the best holiday let mortgage solutions

holiday to let mortgages

Bridging loans are one of the most useful, multi-purpose, types of lending solutions available. You can get a bridging loan approved on almost any property for almost any reason. Great for auction purchases or snapping up a buy to let bargain.

And we can arrange them really fast.

bridging loans

Development finance is designed to help with the purchase and build costs for a residential development project.

Solutions are available for change of use, ground-up projects, refurbishment or major building work and property extensions.

development loans
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