Adding Spouse to Title in NSW, Fast and Simple Transfers
Adding a spouse to title, or adding partner details to your home, is an exciting step whether you are newly married or living together. At Flash Conveyancing, our friendly conveyancer team makes adding a wife or husband to your property deed, council rates and water rates easy. Under NSW law, eligible couples pay no stamp duty on a main residence transfer, keeping your costs low.
Our conveyancing specialists manage the entire legal process online using PEXA, so you can update your home records without stress or legal confusion.
Before initiating the title transfer, please confirm your home loan setup:
Active Mortgage: You must contact your bank or lender first to request approval to add your partner to both the loan and the property title. The bank must grant formal consent and participate in the PEXA workspace before the transfer can be finalized.
Mortgage-Free: If your property is fully paid off with no active mortgage, no bank approval is required, and Flash Conveyancing can begin your transfer immediately!
$0 Stamp Duty for Eligible Couples Under Section 104B
Fixed-Fee Transfers, No Surprises
Know exactly what you will pay before you start. We confirm your stamp duty exemption first, then handle the transfer.
How the NSW Stamp Duty Exemption Works
- Under Section 104B of the NSW Duties Act 1997, transferring a share of your home to your spouse or partner is completely exempt from transfer duty ($0 stamp duty) if you meet a few basic conditions:
- Principal Place of Residence: The property must be your main home, where you both actually live.
- Relationship Status: You are legally married, or have been living together in a de facto relationship for at least two continuous years.
- Equal Ownership: The home must be held in equal shares (50/50 joint tenants or tenants in common) after the transfer.
- Check the official eligibility rules on the Revenue NSW transfer duty exemption portal.
Why Work With Flash Conveyancing?
- Zero Legal Jargon: We speak plain English and guide you through every document step by step.
- All-In-One Updates: We update your Land Registry title, notify your local council and adjust Sydney Water records at the same time.
- 100% Digital Process: Complete identity checks and sign transfer paperwork from your phone or computer.
After-Hours Appointments
- Standard hours are Monday to Friday, 9 am to 5 pm. Outside those hours we can still see you:
- Saturday and Sunday, 9 am to 5 pm: $330.00 (paid in advance)
- Monday to Friday, 5 pm to 8 pm: $220.00 (paid in advance)
Fixed-Fee Pricing Breakdown
At Flash Conveyancing, we eliminate legal fee uncertainty by offering transparent Fixed price structures with zero hidden surprises. Whether you need expert conveyancing guidance or are searching for top-rated conveyancing near me, we manage your entire Adding a Spouse or Partner to Title under two distinct Fixed fee options based on your title structure:
Unencumbered Title (No Mortgage): For properties with no registered bank mortgage, our Fixed Fee is $1,870.00 (GST included) plus disbursements. Statutory disbursements are estimated at $575.33—covering one NSW Land Registry Services (LRS) transfer registration fee ($182.73), mandatory PEXA electronic platform fees ($292.60 for both parties), and digital Identity & AML verification ($100.00 total)—bringing the total estimated standard cost to $2,445.33.
Encumbered Title (With Bank/Mortgage): If a bank or lender is registered on title, our Fixed Fee is $2,475.00 (GST included) plus disbursements. Standard disbursements are estimated at $940.79—which includes three required LRS registration fees ($548.19 total to register the transfer, mortgage discharge, and new mortgage), PEXA platform fees ($292.60), and digital Identity & AML verification ($100.00)—bringing the total estimated standard cost to $3,415.79.
Our professional legal service fees remain strictly fixed while statutory third-party disbursements are billed directly at cost, ensuring you receive a clear, fully adjusted title reflecting joint ownership
Fee Validity & Upcoming Increase
Our fees are reviewed annually and may increase in line with industry cost adjustments. Land Registry, PEXA and identity verification charges are set by third parties and can change at any time. We will always confirm your exact figure in writing before we start, so you can budget with confidence.
Ready To Add Your Spouse or Partner To Title?
- Call Renee and Julian at Flash Conveyancing on 02 8883 4987 to get started today.
- We will confirm your Section 104B eligibility before you pay anything.
- One fixed fee covering your Land Registry title, council rates and Sydney Water records.
Talk To A Conveyancer Today
Call us and we will check your eligibility for the $0 stamp duty exemption before you commit to anything.