A. Did spouse agree to come off the title?
B. Why did sister complete the purchase of property if title was still in the others joint names? Once she knew the property was still in joint names, presumably she could have pulled out.
"Not sure about the lending institution imput here as their contract with the lender is the mortgage they keep the deeds as security. As one of the lenders is on the deed that should suffice."
The point I am making is that if H and W own property and there is a mortgage, then they cannot sell or dispose of the property without the consent of the lender ( unless they are selling outsight and clearing the mortgage). So the property could not be (a) transferred to H and (b) transferred to sister without consent of lender unless H and W were at the same time remortgaging.
mf