Severance

The deed specifies that the joint tenants own an equal amount of interest in the purchased property and are thus equally liable for it financially. Since the joint tenants have equal interest, the property cannot be sold without all parties' consent.

Either party may therefore sever the joint tenancy if they wish. That is done by one of them serving a notice on the other that is then registered with the Land Registry. From that point on, they will continue together to own the property jointly, but as tenants in common.

If you're joint tenants and you both want to leave, either you or your ex-partner can end the tenancy by giving notice.If your landlord doesn't update the tenancy agreement, you'll both still be responsible for rent and the person who leaves can still give notice to end the tenancy.

In order to officially relinquish joint tenancy, you must record the new deed or or written declaration in the county where the property is located. In most cases, if one of the owners dies before you actually record the new deed or declaration, the property still will automatically pass to the other joint tenants.

This is known as 'Severing the Joint Tenancy'. It requires service of a written notice of change the 'severance'. It can be done without the other owner's cooperation or agreement. It is recorded at the Land Registry, and the other owner will know it has been done but only 'after the event' so to speak.

Co-tenants can enter the co-ownership agreement at any time. Co-tenants can sell or transfer the property without each other's consent. Co-tenants share equal financial responsibility. If any loans are taken out against the property, all co-tenants are responsible for paying them back.

Severing a joint tenancy does not change who owns the property.Severing the joint tenancy which can be done with or without the agreement of the other joint owner now means that you and your husband still jointly own the property but as tenants in common rather than joint tenants.

97 Severance of joint tenancy by unilateral action (1) Registration of a transfer by a joint tenant of the joint tenant's interest in the land that is the subject of a joint tenancy to himself or herself severs the joint tenancy.