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Private house-swap between family members???

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  • Private house-swap between family members???


    My girlfriend and I plan to swap our small house with that of her mother's. We both have outstanding mortgages.

    Therefore, how do we go about this, please? My plan was to have both houses valued (at an estimate ours is worth £95000 and her mother's £115000.) Then have the houses both checked to be structurarly sound etc. as her mother's needs a lot doing to it. Then just have the solicitors do whatever they do.

    Sure it's not that simple and a friend of mine whom is a mortgage broker advised that it be best we literally just swap houses but keep our names on the mortgages etc? Doesn't seem right to me, so any help greatly appreciated, please?

    Thank-you in advance.