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The overpayment should be easy, assuming it's possible with your lender. Stamp duty is only paid when you purchase a house so, as far as I'm aware, shouldn't come into the equation. You'll need a solicitor to make changes to the deeds and write a deed of trust between you.
andyp-
I think stamp duty (SDLT now) is payable on any transfer of ownership, whether whole or partial, but there may be exemptions for transfers between spouses/partners.
Speak to a lawyer ... (or at any rate to someone who knows - I certainly don't).
Payable on the amount of any cash she puts in plus the share of the mortgage she takes on.)
jsabine
Advice needed... I own the flat but Mrs Sparky (we're not actually married) has savings. My fixed mortgage runs out October next year. If we wanted to get her on the deeds and dump her money into the flat, how hard is that? Solicitor's fees, stamp duty etc? How do people normally arrange such things?