TV Edwards’ solicitors guide you through the remortgage process with expertise. Whether you’re switching lenders or releasing equity, our team will make the process smooth and efficient for you.
Understanding Remortgaging
So, what does remortgaging actually involve?
Our remortgage solicitors manage the legal process of redeeming your current mortgage and securing a new one, handling title checks, lender requirements, and deed transfers.
Whether you are switching to a better rate, releasing equity for home improvements, or transferring ownership, our remortgaging solicitors ensure the legal process is handled efficiently and in full compliance with lender requirements
To read more about costs, see our remortgage pricing guide.
The Legal Process of Remortgaging
Most people choose to remortgage when their current fixed rate or mortgage term is coming to an end, to move to a better rate, or to release equity. By the time we are instructed, you will usually already have a mortgage offer in place from your lender via your mortgage adviser.
Our role as solicitors is to deal with the legal aspects of the remortgage. This includes reviewing the mortgage offer, carrying out the necessary title checks and searches, liaising with your existing and new lenders, and ensuring the new mortgage is properly registered. We explain the legal implications of the transaction and handle the process efficiently to ensure your remortgage completes smoothly.
When to Seek Legal Advice
When should you involve our remortgage solicitors?
You should involve a remortgaging solicitor once you have decided to proceed with a remortgage and are in the process of obtaining a mortgage offer. Instructing us early allows potential legal issues, such as title defects or ownership changes, to be identified and addressed at the outset. This helps ensure the legal process runs efficiently and reduces the risk of delays once the mortgage offer is issued.
Contact us to get started.
Related Residential Property Services
Our Approach to Remortgaging
Our remortgaging solicitors in London simplify the complex legal process of remortgaging, from reviewing title documents to coordinating with lenders.
We handle lender requirements, title investigations, and any deed transfers with precision, working to keep the legal process on track and on time. Throughout, we’ll maintain proactive communication, keeping you informed from the initial searches to completion.
Whether you’re remortgaging to release equity or switch lenders, we ensure a hassle-free experience.
Collaborative Expertise
We work closely with lenders, mortgage brokers and clients to progress remortgages efficiently, including where the transaction involves joint ownership changes or equity release. We are on the panels of the vast majority of major high street lenders, which means we are able to act in accordance with lender requirements without unnecessary delay.
By identifying and resolving legal issues early, we help keep the remortgaging process on track and minimise disruption. Our experience dealing with a wide range of lenders allows approvals and documentation to be handled smoothly, ensuring the legal work is completed accurately and efficiently.
Why Choose TV Edwards?
- Highly ranked in legal directories – Recognised by Legal 500 and Chambers UK
- Proven success – A wealth of experience and track record of securing adverse possessions
- Cost-effective solutions – We prioritise fair, practical resolutions to keep costs manageable
- Specialist expertise – Our lawyers have direct experience in working with the Land Registry
- Client-first approach – Clear, honest legal advice from start to finish, tailored to your case
Client Testimonials
Contact Our Remortgaging Solicitors Today
Remortgaging Solicitors FAQs
What is remortgaging?
Remortgaging involves the redeeming of a current mortgage and the securing of a new one, often for better rates or to release equity.
Our London-based remortgaging solicitors handle all legal aspects of the transaction, ensuring the process is efficient and compliant. Our familiarity with the requirements of major lenders allows us to deal with lender conditions and documentation smoothly, helping to minimise delays.
How long does remortgaging take?
Remortgaging typically takes 4-8 weeks, depending on lender requirements and property complexity.
Our remortgage solicitors work proactively to keep your timeline in check, making sure you’re updated at every stage. We coordinate with lenders to ensure efficiency, minimising delays
Do I need a survey for remortgaging?
Lenders may require a valuation or survey to assess the current value of your property.
Will I need to pay Stamp Duty on a remortgage?
Stamp Duty does not typically apply to a remortgage unless you’re transferring ownership or adding significant value.
Contact us today to get started.
