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its certainly possible to transfer names on a mortgage um it happens all sorts of reasons the most common which being divorce or separation we want to take someone off the mortgage or then adding someone to the mortgage if youre moving together and you want to share the ownership whatever it is that youre doing theres a few key things you need to bear in mind the first one is its not just as simple as changing the ownership of the deed to the property legally whoever has a charge or an interest in the property usually a lender and theyre going to want to assess whoever is now going to be going forward on the ownership of the property and that thats acceptable to them um theyll be checking things like credit history so the person whos still on the mortgage and has always been there has anything changed for them and then anyone whos joining whats their credit history like theyll look at late payments default ccjs bankruptcies everything thats available on a credit reference
