I think you mean, make the house mortgage free rather than make it freehold.
Please confirm if I have that wrong.
Your uncle can do what he likes with the house, transfer it to you and let you do what you like with it sell it, remortgage it, live in it whatever or, he can sell it and just give you the money.
If he owed your father money, that money now belongs to the father’s estate and if there are other beneficiaries, they are entitled to a share of that money so providing there are no other beneficiaries, what is being proposed is not a problem.
If your uncle’s total estate, if he were to die, is over £325,000, and he does not live seven years after transferring the property to you, there may be some inheritance tax to pay on a sliding scale downwards, depending on when he dies.
Can I clarify anything else for you?
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Freehold is nothing to do with whether there is a mortgage or not. There are 2 types of property, freehold and leasehold. Freehold, you own it forever, leasehold you own it for a number of years, 5 10, 99, 999.
Flats are always99.99% of the time leasehold. Houses are freehold 99% of the time.
The government won’t make any queries whatsoever in respect of this. They won’t get involved. It will become a problem if he transfers the property and he then goes bankrupt because the trustee in bankruptcy will want to know why he transferred the property and its likely the trustee in bankruptcy would apply to court to set the transfer aside unless it had already been done for 5 years at the time he went bankrupt.
If your uncle is paying the mortgage off, it seems unlikely he is about to go bankrupt!
Parents and relatives routinely transfer properties to children so I cannot see any problem with this. If your uncle has other children himself, they may query why he has done this.
Other than that, nothing you say causes concern.
This is nothing to do with freehold. You are not changing to freehold. You are changing to mortgage free.
It would cause a problem for your mother if her name was on the property but there is no reason why you cannot own it with your brother
Yes, it really is just a case of transferring the property from his name yours, once the mortgage has been repaid.