Getting married is an exciting milestone, and for many people, it comes with a name change. But while updating your ID and bank cards might be top of the list, your mortgage and property records are also worth thinking about.
Whether you’re planning to move, remortgage, or simply keep everything in order, this guide explains what a name change means for your mortgage and how to update it.
Do You Need to Update Your Mortgage?
You’re not legally required to change your name on your mortgage documents after marriage. However, it’s often a good idea. Having your current name on record makes things much easier if you decide to remortgage or borrow more in future.
Most lenders are happy to update your name as long as you can provide the right documents, like your marriage certificate or updated photo ID. There’s no need to reapply for the mortgage, it’s just an admin update.
What About the Property Deeds?
Your mortgage is only one part of the picture. If you’ve changed your name, it’s also worth updating the Land Registry records to reflect it. This relates to the legal title of your home, which is separate from the mortgage itself.
You can update the deeds using an AP1 form through HM Land Registry. You’ll need to provide proof of your name change, such as a certified copy of your marriage certificate. The process is usually straightforward and there’s no fee if you’re only updating your name.
What If You’re Adding or Removing Someone?
If you’ve recently married and want to add your partner to the mortgage, or if you’re separating and need to remove a name, that’s a different process entirely. It’s known as a transfer of equity.
This involves applying to your lender to make changes to who is legally responsible for the mortgage. You’ll both need to meet the lender’s affordability criteria, and in most cases, a solicitor will be required to manage the legal paperwork. Some lenders may charge a fee, and if you’re changing ownership, you might also need to update the title at the Land Registry.
If you’re unsure where to start, our advisers at Lendese can talk you through your options and what’s required.
What You’ll Need to Update Your Name
To update your name with your mortgage provider, you’ll usually be asked to provide:
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A certified copy of your marriage or civil partnership certificate
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Updated photo ID (such as a passport or driving licence)
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A completed name change form, which your lender can provide
Each lender may vary slightly, so if you’re unsure, we’re happy to check this for you.
Frequently Asked Questions
Yes, most lenders won’t charge for a name-only update. You’ll just need to provide the right proof.
You don’t have to, but it’s strongly recommended. It keeps your legal documents up to date and avoids confusion if you sell or remortgage.
Not negatively. Just make sure you inform credit reference agencies, so your file stays consistent and nothing gets lost in the change.
Yes, and it’s actually a good time to do it. Let your adviser know early so your application goes smoothly.
Need Help Updating Your Mortgage?
Whether you’ve just tied the knot or are planning ahead, we can help you update your mortgage records, check your options, and take care of the paperwork.
Speak to a Lendese advisor today and we’ll guide you through the next steps.