If the house is registered in my sole name, but the new loan is in joint names, what do I do?
This is very common. Often a house was bought while a person was single and then after getting married, the house is remortgaged. An application is made to the Property Registration Authority to transfer the ownership into joint names. If the loan is issued in joint names, the bank will usually require the ownership of the secured property to be registered in the joint names of both borrowers.