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As a homeowner, at some point, you may wish to consider remortgaging with a different lender. This might be to release money from your property, to switch to a new mortgage deal, or it might be due to a change in your personal circumstances, such as divorce or marriage. Whatever your situation, a remortgage solicitor can help you. At Davisons, we aim to make the process of remortgaging as fast and stress-free as possible.

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Do you always need a remortgaging solicitor?

If you are remortgaging with your existing lender, switching to a new deal or borrowing more money, you will not need a remortgage solicitor.

However, if you are moving to a new mortgage lender, you will need to instruct a remortgage conveyancing solicitor.

If your lender provides a solicitor, do you need to use them?

Some lenders may want you to use their solicitor. If this is a condition of the remortgage deal, then you may have no option. Often lenders include a free legal package with their remortgage deals, but it is important to check the conveyancing service really is free and that there are no hidden costs in the small print.

Ideally, you will be able to choose your own remortgage solicitor. You can then research the best conveyancing service for you.

There are some circumstances in which you will almost certainly need to appoint a solicitor yourself. If you are adding someone else to your mortgage, you will need a solicitor to amend the mortgage deed to your property and draw up a ‘transfer of equity’. You will also need your own solicitor to complete paperwork if you are removing somebody from your mortgage.

How can you prepare to remortgage?

If you are thinking about remortgaging, you can increase the chance of your mortgage application being accepted by taking the following steps:

  • Make sure your credit report is healthy.
  • Live within your means by clearing credit cards every month and preventing your bank account from going overdrawn.
  • Do not apply for any additional credit.
  • Do not spend significant sums of money.
  • Shop around for the best mortgage deals. Consider talking to an independent mortgage advisor who can explore the best options with you.
  • Find out whether you will need to pay your existing mortgage lender early repayment charges.

Lenders always want to see that you can manage your finances and, therefore, pay them back each month.

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What does remortgage conveyancing cost?

Costs for remortgage conveyancing can vary between £300 to £1,000 depending upon the value of your property and the conveyancer you choose.

Sometimes using a lender’s chosen solicitor can be cheaper. However, this can also mean that progress is significantly slower, especially if they have a heavy workload. The conveyancer you instruct can make the difference between the remortgage process taking a few weeks or several months.

Low price quotes can hide additional costs, so it is essential to check the small print carefully. At Davisons, we have a ‘no hidden costs’ policy which means there are no nasty surprises.

What services are provided by a remortgaging solicitor?

Once a mortgage lender has made you a remortgage offer that you have accepted, your solicitor will start the conveyancing process.

They will start by checking the details in your new and existing mortgages. They will receive a redemption statement from your current mortgage lender to determine what fees need to be paid to clear your existing mortgage.

Your solicitor will examine the terms and conditions of your new mortgage, making you aware of any issues that need to be addressed and suggest solutions.

As the title deeds for your property will transfer from one lender to another, your solicitor will need to carry out the following conveyancing work:

  • Verifying your identity.
  • Making sure you have not been declared bankrupt by carrying out a bankruptcy search.
  • Confirming you are the legal owner of the property by checking title deeds with the Land Registry.
  • Carrying out anti-money laundering checks against the funds, which will be used to clear your existing mortgage.
  • Requesting local authority searches such as environmental searches.
  • Checking any planning permission issues.
  • Receiving and transferring funds between your old lender and your new lender.

Once the remortgage conveyancing process is complete, your solicitor will discharge the old mortgage and register the new mortgage with the Land Registry.

Why choose Davisons?

Whether you are remortgaging to borrow more money, to get a better mortgage deal, or due to a change in your personal circumstances (such as relationship breakdown), our conveyancing solicitors can help you.

At Davisons, we pride ourselves on offering a high standard of client care. We will guide you through the remortgaging process, taking care of all paperwork and legal checks. We will carefully review the terms of your mortgage so that you do not uncover any surprises further down the line.

We have a broad range of experience across many mortgage lenders, so we understand their different processes. We will keep you updated every step of the way using plain English and not legal jargon.

Have any questions or need any help?

Our team of specialist lawyers are experts in their field. Be confident in their advice and decisions to help get the right outcome for you. Contact us today to see how we can help

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