First of all assets which are transferred within five years of the date of the application are taken fully into account as if they were in the transferor's sole name, so the only 'safe' assets are those transferred more than five years previously. Secondly, yes HSE can put a charge on the property as it is in the disponers name, even if jointly with another. In some circumstances, a couple, the charge is half, in some circumstances the loan can be deferred depending on the relationship etc