Transfer of Equity is in effect a sale and a charge to Stamp Duty Land Tax can arise. Speak to the Stamp Duty office as I have advised, and in any event arrange with them for a Stamp Duty Land Tax Certificate which will be required before the Land Registry can amend the Register. It is quite likely that your lender will insist that your girlfriend appoint her own solicitor, and this must be accepted (their is good legal reason for this). There is an amount of legal work involved which is too long to list but which your lenders solicitor will do. Whilst you can speak to whom you like the only worthwhile conversation you will have in this matter is with your lender.