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If no mortgage, do it as a gift to avoid stamp duty, buy insurance to cover inheritance tax if mum dies in the next 7 years.
If mortgage remains she will probably have to pay stamp duty on the portion of mortgage she assumes responsibility for, the rest can be gifted or willed. Again, consider insurance for the IHT charge.
Ramsaye
@aggi
My girlfriend lives with her mum who technically owns the house. For the past ten years or so my girlfriend has been paying the mortgage on an unofficial basis.
As the mortgage is coming to an end the mum wants to formalise that the house is owned jointly by the two of them. She thinks it will just be a matter of talking to the bank and they'll sort it out.
I suspect it will be a little more complicated involving lawyers and possibly requiring tax advice (house is worth about £800k). Any ideas on what the process is here? Cheers