Property Gifting Service Explained: When and Why to Use One | 2025

A property gifting service is a legal way to give ownership of a property to someone else. People often do this for a family member and do not involve any payment. A common choice for parents who want to give property to their children is this. Spouses update ownership, and families plan for the future using it.

The process mainly involves preparing a legal transfer deed, called a Deed of Gift. You must register the transfer with HM Land Registry. Following all steps according to UK property law is also important.

Why Do People Gift Property?

Families may choose to gift property instead of selling for many reasons:

• Inheritance planning lets you choose who gets your property. However, remember that giving gifts may not eliminate inheritance tax.
• Supporting children or family – Helps loved ones get a financial head start.
• Divorce or separation – Updating ownership, though court orders may still apply.
• Tax considerations – Potential inheritance tax or capital gains tax planning (specialist tax advice recommended).
• Peace of mind – Ensuring your property goes to the right person at the right time.

How Does a Property Gifting Service Work?

At Property Swift, we’ve simplified the process into a secure, digital-first service:

1. Start online – Provide details about the property and the recipient.
2. Secure verification – Confirm identities through digital checks.
3. Transfer deed prepared – Solicitors draft the transfer deed (Deed of Gift).
4. Land Registry submission – Someone legally lodges the change of ownership.
5. You receive confirmation that the transfer has completed.

Benefits of Using a Property Gifting Service

Choosing a professional, solicitor-backed service ensures that:

✔ Your transfer is legally valid and compliant.

✔ The process is faster and paperless.

✔ You avoid common mistakes such as missing documents.

✔ We properly consider tax and inheritance implications.

✔You feel peace of mind knowing you securely transfer your property

Things to Keep in Mind

While gifting property can be thoughtful and practical, there are important financial and legal considerations:

• Inheritance Tax (IHT): If you pass away within 7 years of making the gift, the property may still count toward your estate. If you keep living in the property without paying market rent, HMRC may see this as a "gift with reservation of benefit."
• Capital Gains Tax (CGT): If the property has risen in value, CGT may apply. However, if it is your main home, you may qualify for Private Residence Relief.
• Loss of control: Once gifted, the property legally belongs to the recipient.
• Divorce and settlements can be complicated: If someone gives property during a divorce, the court can still change its status. The court may include it in financial orders.
• Independent Legal Advice (ILA): Sometimes required to ensure the recipient fully understands the transfer.

Why Choose Property Swift?

With Property Swift, the old way of slow, paper-heavy transfers is replaced by a modern, digital process:

✔ 100% online - no office visits
✔ Transparent fixed fees - no hidden costs
✔ Experienced solicitors supporting every case
✔ Accessible from anywhere in the UK or abroad
✔ Faster turnaround compared to traditional conveyancing, though Land Registry timescales can still vary

Final Thoughts

A property gifting service is one of the simplest and most secure ways to transfer ownership to your loved ones. Whether for inheritance planning, family support, or peace of mind, it ensures your wishes are carried out legally and efficiently.

👉 Ready to gift property? Start your Property Gifting Service today.