Welcome back to The Title Deed Desk.

In Episode 12, we covered family gift transfers and the reduced 0.125% transfer fee. Today, we look at another situation many owners overlook—transferring property between yourself and a company you own.

This is general educational information, not legal advice. Corporate structures involve legal and tax considerations, so always obtain professional advice.

Many owners transfer property into a company for privacy, asset management, succession planning, or liability protection. When the conditions are met, this transfer can qualify as a gift transfer at 0.125% instead of the standard 4% transfer fee.

The key requirement is the mirror rule. The company's shareholders must exactly match the property's owne ...