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Posted by: Paul | 2015/07/16 04:32

The best way of going into co-ownership of a house with my mother while she still has outstanding bond on the house

My mother bought her house around 9 or 10 years ago for just under R900 000. The house is now valued at around R1.6 million and she owes about R800 000 on her bond. They are thinking of relocating and whish to purchase another house, but do not want to sell the current house and loose out on it's great financial growth potential. However with the current bond on their name they do not have enough income to apply for the second bond. She has approached me and asked if I would like to buy into the house effectively obtaining a bond of R800 000, to settle their bond and freeing them up to acquire the new bond. We would then be co-owners of the house 50/50 and I would be repaying my R800 000 bond. My question is 1 Can we do it this way? Would a bank or financial institution grant me a loan under these circumstances? (Am I also right in assuming no transfer costs needs to be paid, my name will just be added as a co-owner on the deed?) 2) Is their simply a way of taking over the bond from my mother that the outstanding amount reverts to me? The house can be transferred to me aswell we will still enter into a contract of being 50/50 owners. 3) Is it possible to set up a trust and transfer the house to it. Once again would I be able to apply for a loan and then take over the R800 000 outstanding on the bond from my mother? If none of these options are viable: 4) If I enter into a long term rental contract with my mother and not buy into the house, but basically cover their bond repayments. Will they be granted a loan for the second house with this added income? Thank you in advance

expert answer

Posted by: Carol Reynolds | 2015/07/20 18:18
Hi Paul. Unfortunately, as soon as there is a transfer of a portion of a property or a change in ownership this will attract transfer costs. This means that essentially, your mom will have to sell the house to you. You can then either buy it in your own name entirely or put it into both of your names or put it into a trust. If it goes into both of your names, then your mom will still be liable for 50% of the bond, which will impact on her ability to borrow money for her second purchase. The banks insist on the owner and bond holder being the same parties, thus if both of your names appear on the title deed, the bank will register the bond in your joint names. The only other alternative is for you to buy the new property - if this is in your name, then at least you can be a party to the new property. If you tamper with the existing property it will attract costs. The best way to reduce costs is for you to simply purchase the new property - you can then agree amongst yourselves that you will stay on as a tenant in your mom's existing house; and she can sign a lease with you to be a tenant in your new house. Banks are conservative when taking leases into account for affordability - at best, they will look at 50% of the lease value, and some won't even consider future income like rental income.

Otherwise, if your mom sells her house to you for R1 million, you will pay a minimum of R25 000 in costs. You need to weigh up the costs and then determine the best way forward. 

I wouldn't recommend a trust for your primary residence, as capital gains tax is heavy on a trust. Whereas, if you own one property in your name and your mom owns one property in her name, these will both be primary residences and there will be a R2 million tax exemption for capital gains when you come to sell.

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Posted by: sherrod | 2018/05/08 18:45
GREETING EVERYONE, I'm sherrod Tome, i live in new York, I want to use this mode to say a special thanks to this wonderful company who made it possible for me to establish my business till now. I'm well pleased because all other companies turned down my request, until i met this company who assisted me with a loan amount of [$200,000 usd ]. I want to thank the Director Mr Lewis Harry who seriously helped me through and ensure i get my loan. Their services is very safe, fast and easy... I consider them as the best company ever because they are real and legitimate, i have seen, tried and it worked for me and also for friends and relations, so i know it will work for you too if only you can contact them.. They are the best when it comes to lending of loan funds they will never fail. You can contact them for a fast and safe loan funds via email:goodnewsloancompany7@gmail.com and also know that they offer all types of loan to both individuals and organizations.. I will like to say thanks again for the help service they rendered to me, so contact them now to obtain a loan today. Best Wishes
Reply to sherrod
Posted by: sherrod | 2018/05/08 18:42
GREETING EVERYONE, I'm sherrod Tome, i live in new York, I want to use this mode to say a special thanks to this wonderful company who made it possible for me to establish my business till now. I'm well pleased because all other companies turned down my request, until i met this company who assisted me with a loan amount of [$200,000 usd ]. I want to thank the Director Mr Lewis Harry who seriously helped me through and ensure i get my loan. Their services is very safe, fast and easy... I consider them as the best company ever because they are real and legitimate, i have seen, tried and it worked for me and also for friends and relations, so i know it will work for you too if only you can contact them.. They are the best when it comes to lending of loan funds they will never fail. You can contact them for a fast and safe loan funds via email:goodnewsloancompany7@gmail.com and also know that they offer all types of loan to both individuals and organizations.. I will like to say thanks again for the help service they rendered to me, so contact them now to obtain a loan today. Best Wishes
Reply to sherrod
Posted by: Wendy Ryan | 2018/04/26 12:02
I'M NOW FULFILL FINANCIALLY BECAUSE OF THE LOAN I GOT FROM UPSTOXFUNDING INC.{ upstoxfunding@yahoo.com } I would like to bring this to the notice of the public about how i came in contact with Upstoxfunding INC after i lost my job and being denied loan by my bank and other financial institution due to my credit score. I could not pay my children's fees. I was behind on bills, about to be thrown out of the house due to my inability to pay my rent, It was during this period my kids were taken from me by foster care. Then i set out to seek for funds online where i lost $3,670 that i borrowed from friends which i was rip off by two online loan companies. Until i read about: ( upstoxfunding@yahoo.com ) somewhere on the internet, Still wasn't convince because of what i have been through until a relative of mine who is a clergy also told me about the ongoing loan scheme of Upstox funding at a very low interest rate of 2% and lovely repayment terms without penalty for default of payment. I have no choice than to also contact them which i did through text (302) 273-5794.That day was theI'M best and greatest day of my life which can never be forgotten when i receive a credit alert of $124,000Usd loan amount i applied for. I utilized the loan effectively to pay up my debts and to start up a business and today i and my kids are so happy and fulfill. You can as well contact them through email: upstoxfunding@yahoo.com OR call or text their helpline: (302) 273-5794. Why am i doing this? I am doing this to save as many that are in need of a loan not to be victim of scams on the internet. Thanks and God bless you all, I'm Wendy Ryan from Arizona, United States.
Reply to Wendy Ryan
Posted by: SuiteCapitals@gmail.com | 2018/04/15 18:06
We Offers Financial Consulting To Client, Companies Seeking Debt / Loan Financing And Seeking For Working Capital To Start A New Business Or To Expand Existing Business. Interested Parties Should Contact Us For More Information Through Via E-mail: SuiteCapitals@gmail.com ( SuiteCapitals@post.com ) We Have Loan Programs Tailored For Any Profile And You've Come To The Right Place To Satisfy Your Business Needs. If Your Company Or You Know Of Any Company With Viable Projects / Proposals That Needs Financing, Kindly Write Us With The Loan Requirement. Please, Contact Us For More Information: SuiteCapitals@gmail.com ( SuiteCapitals@post.com ) You Will Hear From Us. Well Nice To Meet You And I look forward to our Business Acquaintance. Interested Parties Should Contact Us For More Information Through Via E-mail: SuiteCapitals@gmail.com ( SuiteCapitals@post.com )
Reply to SuiteCapitals@gmail.com
Posted by: SuiteCapitals@gmail.com | 2018/04/15 18:06
We Offers Financial Consulting To Client, Companies Seeking Debt / Loan Financing And Seeking For Working Capital To Start A New Business Or To Expand Existing Business. Interested Parties Should Contact Us For More Information Through Via E-mail: SuiteCapitals@gmail.com ( SuiteCapitals@post.com ) We Have Loan Programs Tailored For Any Profile And You've Come To The Right Place To Satisfy Your Business Needs. If Your Company Or You Know Of Any Company With Viable Projects / Proposals That Needs Financing, Kindly Write Us With The Loan Requirement. Please, Contact Us For More Information: SuiteCapitals@gmail.com ( SuiteCapitals@post.com ) You Will Hear From Us. Well Nice To Meet You And I look forward to our Business Acquaintance. Interested Parties Should Contact Us For More Information Through Via E-mail: SuiteCapitals@gmail.com ( SuiteCapitals@post.com )
Reply to SuiteCapitals@gmail.com
Posted by: norma carl | 2017/09/09 22:54
i never thought about getting back my husband back to me it was really terrible for me when it leaf me at December 14 2016 close to chrismax cerebration, i feel so a lone i could not go true the heart break because i loved him so much, i do all i could to get him back but nothing happens my friends tried all there best to help me talks to him to accepts me back but never listening, so i talks and thinks about it to get a spell dr. contacted for the help of bringing him back to me which i known that is the only way to get him back to me again, them i was able to get DR.COROBO email and his contact i was really happy to get reach to this dr. due to what people has be saying about him on how it has be helping relationship and curing diseases" i contact him for the spell and before i am to known my husband called me and he was crying on the phone by telling me to forgive him for what ever he may has cost me that him needs me back and them i forgive him and we where one again, he has loves me like it has never be before he has cherish me so much and i have nothing to say but to say thank you DR.COROBO you can email him if you wants to by solving your home marriage and your relationship email. dr.corobospellhome@gmail.com call whatssap +2348155728933 thank you all for listening.
Reply to norma carl
Posted by: Jose Sim | 2017/05/21 09:27
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