Transfer of Title

To make changes to the ownership of your customer’s property which is subject to an AIB (NI) mortgage, please complete a transfer of title application using the form below.

Your customer can complete the following transfer of title applications:

1.      Joint to sole

2.      Sole to joint

3.      Joint to Joint

As the following transfer of title applications will require a full assessment, please refer to Our Criteria for a transfer of title:

a)      Joint to Sole

b)      Joint to Joint

For a transfer of title for a sole to joint request AIB (NI) the following documents and information will be required for both applicants:

PAYE Customer(s)

1.      Most recent payslip (1 month)

2.      Most recent personal bank statement, covering at least 1 month

Self-employed

1.      Most recent personal and business bank statements, covering at least 1 month

2.      1 years financial statements; or most recent Accountant’s Certificate of Income; or most recent Self-Assessment Tax Return (SA100 or SA302)

As part of the application AIB (NI) will carry out a soft and hard credit search, along with use of our index valuation. 

Conveyancing

AIB (NI) will require the customer to have a solicitor to complete the conveyancing for this request.

For Joint to Sole applications we will need the solicitor to make amendments to the title so that only the remaining customer is named on the deeds.

For sole to joint and joint to joint request, we will expect the solicitor to complete a new legal charge and carry out the full conveyancing process including all necessary searches.

Independent legal advice

If a separation agreement has not been provided as part of the application, AIB (NI) will expect the following:

Joint to Sole and Joint to Joint – confirmation from a solicitor (who is not the same solicitor completing the conveyancing) that the party being removed from the mortgage and deeds has received independent legal advice.

We may also require the following:

• Confirmation that the party being removed from the mortgage and deeds has no further interest in the property (include the property address)
• Confirmation that the remaining customer on the mortgage and deeds has no other financial obligations related to the separation.

Sole to Joint and Joint to Joint – confirmation from a solicitor (who is not the same solicitor completing the conveyancing) that the remaining party on the mortgage and deeds has received independent legal advice.