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How to transfer property held in joint names

If the deceased owned real property in NSW as 'joint tenants' with another person, the property will need to be transferred to the surviving joint tenant.

Real property includes land, houses, units and commercial or industrial properties in NSW.

You do not need to apply for a grant of probate or letters of administration to transfer property held in joint names.

Icon - alertYou should get legal advice if there is a mortgage on the property.

How to transfer property held in joint names - Step by step guide

Step 1: Get a Notice​​​ of death f​​orm

You can get a copy of the Notice of death form from:

  • the Land Title dealing forms page on the NSW Land Registry Services website. It is called Notice of death - form 02ND. You can also get a copy of the form from the NSW Land Registry Services office. 

Step 2: Fill in Notice of de​ath form

When you fill out the Notice of death form you must include:

  • the lot and plan number of the property
  • the full name of the deceased
  • the full name of the surviving joint tenant. This must be identical to the name on the Certificate of Title. If it is different, you will need to complete a Change of name form.

You must sign the form before a lawyer or Justice of the Peace. The witness must also sign and write their details.

For more information, go to How to lodge a Notice of Death Factsheet on the NSW Land Registry Services website.

Step 3: Create an electronic notice of Sale (eNOS) record

You can create an eNOS on the Lodgement of an eNOS applicationpage of the NSW Land Registry Services website.

To complete the eNOS, you will need:

  • the lot and plan number of the property
  • the address of the property
  • the address for service of notices
  • details of how the property was acquired, that is, by survivorship.  The date of acquisition is the date of death.

You must complete your details, and sign and date the bottom section of the form before you submit it.

Make sure you write the identification number on the Notice of Death form.

Step 4: Get a certified copy​ of the Death Certificate

You must also lodge a certified copy of the Death Certificate with the Notice of Death at NSW Land Registry Services.

For more information about getting a death certificate, see The death certificate.

Step 5: Get the origina​l Certificate of Title or arrange for it to be produced by the bank

You need to obtain the original certificate of title. If the property is not encumbered (not held as security for a mortgage) and you cannot locate the original Certificate of Title, you may need to apply to NSW Land Registry Services for a replacement certificate.

If the property is mortgaged, you must notify the bank that the deceased has died and that you wish to transfer the title.  The bank may ask to see a copy of the completed Notice of Death form and Death Certificate and charge a fee. 

The bank can arrange to send the original Certificate of Title to NSW Land Registry Services. You should receive a letter from the bank to confirm that the original certificate of title has been sent to NSW Land Registry Services. After you receive this letter, you can register your application at NSW Land Registry Services.

Step 6: Get the Conveyancing Rules Exemption Form 2019

If you are not represented by a lawyer or a licensed conveyancer, you will need to complete the Conveyancing Rules Exemption form 2019 for dealings lodged after 1 July 2019.

You can get the form from the General forms page on the NSW Land Registry Services website.

When filling out form you must tick the box CR2/2019 – Mainstream dealing exceptions. 

Step 7: Register the application at NSW Land Registry Services and pay the filing fee

You must file the following documents at NSW Land Registry Services:

  • completed Notice of death
  • certified copy of the Death Certificate
  • certified copy of the Death Certificate
  • original Certificate of Title
  • Conveyancing Rules Exemption Form 2019.

For more information about the current filing fees, go to the Land title fees page of the NSW Land Registry Services website.

NSW Land Registry Services will update the register with the information and will issue a new Certificate of Title.  If there is a mortgage on the property, the new Certificate of Title will be sent to the bank. If they need any further information, if information is missing or there is any other problem with the forms, you may receive a letter called a 'requisition'.