[{"data":1,"prerenderedAt":-1},["ShallowReactive",2],{"detail-sidebar-cat-1-en-105":3,"doc-seo-283046-105":53,"doc-detail-283046-en":126},{"code":4,"msg":5,"data":6},0,"success",[7,14,19,24,29,34,39,44,49],{"id":8,"doc_module":9,"doc_module_name":10,"category_name":11,"show_sort_weight":12,"slug":13},11,1,"Template","Presentations",90,"presentations",{"id":15,"doc_module":9,"doc_module_name":10,"category_name":16,"show_sort_weight":17,"slug":18},12,"Resumes",80,"resumes",{"id":20,"doc_module":9,"doc_module_name":10,"category_name":21,"show_sort_weight":22,"slug":23},14,"Invoices",70,"invoices",{"id":25,"doc_module":9,"doc_module_name":10,"category_name":26,"show_sort_weight":27,"slug":28},15,"Posters",60,"posters",{"id":30,"doc_module":9,"doc_module_name":10,"category_name":31,"show_sort_weight":32,"slug":33},16,"Social Media",50,"social-media",{"id":35,"doc_module":9,"doc_module_name":10,"category_name":36,"show_sort_weight":37,"slug":38},17,"Forms",40,"forms",{"id":40,"doc_module":9,"doc_module_name":10,"category_name":41,"show_sort_weight":42,"slug":43},18,"Letters",30,"letters",{"id":45,"doc_module":9,"doc_module_name":10,"category_name":46,"show_sort_weight":47,"slug":48},21,"Paper Templates",5,"papers-templates",{"id":50,"doc_module":9,"doc_module_name":10,"category_name":51,"show_sort_weight":4,"slug":52},158,"General","general-158",{"code":4,"msg":54,"data":55},"ok",{"site_id":56,"language":57,"slug":58,"title":59,"keywords":60,"description":61,"schema_data":62,"social_meta":119,"head_meta":121,"extra_data":123,"updated_unix":125},105,"en","owning-property-jointly-with-your-partner-a-legal-guide","Owning property jointly with your partner - a legal guide","","Guide explains how partners can jointly own property and clarifies the meaning and implications of severing a joint tenancy. It distinguishes registered versus unregistered property, explains how to verify ownership through Land Registry records or title deeds, and notes the difference between being named on a mortgage and being an owner. 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It also explains what severing a joint tenancy means and explainshow to do this.  \nIn this guide, the term partner includes your husband, wife, civil partner, and unmarried partner or those who are living together.  \nOwnership of property  \nA property can be owned by one person or jointly by more than one person. If you are unsure whether you jointly own or who owns a property you should always check. The way you do this depends upon whether the property is registered or unregistered.  \nRegistered property means the Land Registry holds a register of the property which includes details such as who owns the property. You can see the register by requesting official copies. To check whether you own the property you should contact the Land Registry and ask to seethe official copy for the property.  \nUnregistered property means details of the property are not held in a register by the Land Registry, but kept in separate documents. These documents are called title deeds. The title deeds will show who owns the property. Title deeds will normally be held by your mortgage provider. If you do not have a mortgage the title deeds should be with an owner or may be held by a solicitor. Most properties today are registered. You can check with the Land Registry to see if your family home is registered.  \nThere is a difference between being named on the mortgage of a property and being named on the official copies or title deeds. A mortgage is a loan to help pay for a property. Being named on the mortgage means you are responsible for the payments, this does not confirm that you are the owner of the property.  \nIf you are not named on the official copies or title deeds as an owner of the property and you are married or civil partners see our guides: Marriage: your rights to your home and A guide to financial arrangements after marriage breakdown.  \nIf you are not named on the official copies or title deeds as the owner of the property and you are not married or civil partners, see A guide to living together and the law.  \nIf you do jointly own a property you will own the property either as joint tenants or tenants in common.  \nWhat are joint tenants and tenants in common?  \nJoint tenants means that both owners own the whole of the property and have equal rights to the property. If one owner dies the property will pass to the remaining owner. You cannot give the property to anyone else in your will.  \nExample: Jacinta and Oliver owned their home as joint tenants. This means they both owned 100% of the home. Oliver died last week. This means the property has now passed to Jacinta, and she is now the only owner of the property.  \nTenants in common means that both owners have specific shares of the property. It is up to the owners to decide what shares they both own when they are buying the property. They can decide to own 50% each, or they can decide that one person should have a larger share than the other. Tenants in common normally record their shares of the property in a deed of trust. A deed of trust is a legal document which records the shares of the joint owners.  \nFor tenants in common, if one owner dies, then that owner’s share of the property will not automatically pass to the other owner. You can decide who gets your share of the property in your will. A will is a formal document which sets out what you want to happen with your property after you die. If you die without a will then there a special rules about who gets (or inherits) your property. See the Government’s website:  \n[www.gov.uk/inherits-someone-dies](www.gov.uk/inherits-someone-dies)without-will for further details.  \nExample: Julia and Mo owned their home as tenants in common. Julia owned 60% and Mo owned 40% . Julia died last week. Julia has a will which says that when she dies all of her property will go to her daughter, Natasha. This means that Julia’s ","cbCaivGslE3J5h2b","https://ap.wps.com/l/cbCaivGslE3J5h2b","pdf",179021,6,"English","# Ownership of property\n## Registered vs unregistered property\n## Mortgage name vs legal ownership\n# Joint tenants and tenants in common\n## Joint tenants: rights and death\n## Tenants in common: shares and death\n# Severing a joint tenancy\n## What severance means\n## Why sever a joint tenancy\n## If you already own as tenants in common","[{\"question\":\"What does severing a joint tenancy mean?\",\"answer\":\"Severing a joint tenancy changes ownership from joint tenants to tenants in common, meaning each owner has specific shares rather than owning the whole together.\"},{\"question\":\"How do you check who owns a property?\",\"answer\":\"If the property is registered, check official copies from the Land Registry; if unregistered, review the title deeds, which normally show the owners.\"},{\"question\":\"What happens to the property share when one owner dies?\",\"answer\":\"For joint tenants, the property passes to the remaining owner automatically. For tenants in common, the deceased owner’s share does not automatically pass and can be directed by their will.\"}]","Owning property jointly with your partner - a legal guide | PDF",1789588274]