needing advice on property issues after a break up
My partner bought a house with his ex, they were together for 18 months. He alone has made all payments on the property, including the deposit. She moved out, took the house keys and left items in the house and she says she will turn up whenever she wishes to take things. She is also stating she has rights to furniture though these are also in his name and he has been the only one making payments on these. She has asked for her name to be removed from the contract but he can't afford to do that and now she is threatening to sell the house if he doesn't do this by the 25th Jan. Some advice would be appreciated. Thanks
Hi there. It sounds as though you are having a difficult time. Ownership or ‘title’ to property is a difficult and complicated issue. When you say she wants “her name to be removed from the contract” you might mean her name on the title to the property. If this is the case, it is a good idea, especially if she has not contributed financially and they want to disassociate themselves entirely from one another’s affairs.
Removing someone’s name from title with their consent may be done in Queensland using a transfer of title. A transfer must be registered with the Queensland Titles Registry in order to take effect. The process of transfer can be quite involved and requires the signature of both parties, filing several forms, as well as lodgement and payment of fees with the titles office. Fees will depend on the value of the property. Because the process is quite complex it is best to engage a conveyancer or solicitor. Penalties may apply if you make a mistake during lodgement. Because your partner and his ex will be transferring the title into his name alone there may also be stamp duty consequences. This is because your partner will be considered to be gaining the benefit of whole of the asset, whereas before he just had half. Because of this, and the fees involved in transfer, removing someone’s name from a title can become quite costly.
In addition to the complexity of transferring title to property,
if your partner has a mortgage over the property he will likely need the
lender’s consent before removing his ex’s name (if the mortgage is in her name
as well). Depending on the lender, removing her name from the mortgage may
involve preparing new mortgage documents. This may also involve a fee.
Depending on the exact nature of title that your partner’s ex has to the property, while her name remains on the title, she may have the right to enter the property. This is because, legally, she is still an owner of the property. If you or your partner deny her entry to the property, she may be able to commence legal action against your partner. Once her name is removed from the title, she will not be able to enter the property as she no longer has part ownership of the property at law.
Joint ownership to physical property such as furniture is
not as easy to identify as ownership of land. Ownership of land involves a
Certificate of Title which clearly states who owns it and who has an interest
in it. If the furniture was purchased entirely by your partner and paid off by
him, and is also at the place he is occupying, it is unlikely that his ex will
be able to compel him legally to give it to her. This is because it may be
difficult for her to prove she owns it in any way. She would most likely have
to pursue a claim like this through the Queensland Civil and Administrative
Tribunal (also known as QCAT). If she did contribute to the deposits, however,
you and your partner should try to arrange with her some compromise in order to
avoid a claim at QCAT. Your partner might offer her the amount she contributed
back. Compromise of this kind will avoid the stress of having to show you own
the furniture in a civil claim.
Suggested way forward
Transfer of property can be complex, especially if your partner’s ex does not want to co-operate with the process and feels that she has a legal claim to the value of the property. Because of this, it is important that you speak with a lawyer who is an expert in property law. By pressing the "Take Action" button through LawAdvisor we can help you search for experienced lawyers and obtain fee proposals for their services. Costs for legal advice and representation will vary between providers based on experience and the scope of services.
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