Remortgages
Remortgage legal work, done quickly and quietly
Switching to a better deal or releasing equity? The legal side of a remortgage is usually straightforward — when someone competent is pushing it along. That's us.
Same home, new mortgage, no drama
A remortgage swaps your existing mortgage for a new one — with a new lender or a better rate. Before the new lender releases funds, they need a solicitor to check the title, handle conditions, repay the old mortgage and register the new charge. That's where we come in.
Because there's no chain and no seller, remortgages tend to move quickly — often within four to six weeks. We keep the momentum: satisfying your lender's requirements promptly, chasing redemption statements, and completing on the day your new deal needs to start.
One fixed fee, agreed upfront, whatever your property's value up to £1 million. If your case has a twist — shared ownership, an unregistered title, a Help to Buy loan to repay — tell the calculator and it'll price it properly.
What's included
Our fixed-fee remortgage service covers:
- Title checks your new lender requires
- Reviewing the mortgage offer and its conditions
- Obtaining the redemption statement for your current mortgage
- Handling any leasehold requirements with the freeholder
- Receiving funds from your new lender
- Repaying and discharging your existing mortgage
- Registering the new mortgage at HM Land Registry
- Returning any surplus funds to you promptly
What happens when
Your remortgage in four steps
Instruct us
Get your fixed-fee quote and give us the nod. We'll confirm your lender's requirements straight away.
Checks
We verify the title, satisfy your new lender's conditions and request the redemption figure from your current lender.
Completion
New funds arrive, the old mortgage is repaid the same day, and your new deal goes live.
Registration
We register the new charge with HM Land Registry and send you confirmation once it's done.
Good questions
Things people ask us
How long does a remortgage take?+
Typically four to six weeks from instruction to completion. If you have a deal deadline — say your fixed rate ends soon — tell us at the start and we'll work to it.
Do I need searches for a remortgage?+
Usually not the full set a purchase needs. Many lenders accept search insurance instead, which is faster and cheaper. We'll confirm exactly what your lender requires and only charge for what's actually needed.
My property is leasehold — does that change anything?+
It adds a step or two: your lease needs to meet the lender's requirements and the freeholder or managing agent may need to be notified. It's routine for us, and the calculator prices leasehold remortgages accurately.
Can I release equity as part of the remortgage?+
Yes — if your new mortgage is larger than the old one, we'll return the difference to you on completion, after the old mortgage and any fees are repaid.
Let's start your move
Ready to get moving?
Get a clear, itemised quote in about a minute — no obligation, no chasing, no surprises.