Residential Remortgage Solicitors
Expert Legal Advice for Remortgaging
Remortgage Legal Advice
At Mounteney Solicitors, our experienced Remortgage Solicitors provide clear legal advice and practical support for clients remortgaging their homes across England and Wales. We make the legal process smooth, secure and fully compliant with property law.
Remortgaging can be a smart financial decision, whether you’re switching to a better deal, releasing equity, or moving to a new lender. Our Remortgage Solicitors handle the legal work involved with professionalism and efficiency, ensuring your new mortgage is registered correctly and your interests are fully protected.
We’ve been advising clients on residential property transactions for over 20 years. With Mounteney, you’ll receive expert remortgage legal advice that’s tailored to your circumstances and delivered in plain, straightforward language. We’ll help you understand the costs, timings, and legal steps involved so there are no surprises along the way.
Our team is led by Jonathan Mounteney, a qualified Solicitor and Licensed Conveyancer with more than 30 years of experience in property law. Since founding Mounteney Solicitors in 2005, Jonathan has supported thousands of clients through successful remortgages.
We are fully regulated by both the Solicitors Regulation Authority (SRA) and the Council for Licensed Conveyancers (CLC), giving you confidence that your remortgage is in safe hands.
To speak to our Remortgage Solicitors and get started, contact us today and we’ll be happy to guide you through the next steps.
Reasons to Remortgage
There are several benefits to remortgaging your property. These will depend on your individual circumstances and what you want to achieve. These include:
- If you want to pay off your mortgage early, some lenders allow you to make overpayments, meaning you can pay off your debt earlier than your original term.
- If you are paying a high interest rate, switching to a fixed or tracker interest rate on your mortgage can decrease your monthly payments, enabling you to pay off your mortgage sooner.
- If your property has risen in value, remortgaging can help you borrow for home improvements to even further increase your home’s worth.
- If your current mortgage deal ends soon, you may move to the lender’s standard variable rate, which is often higher, making this an excellent opportunity to seek better deals.
Our Remortgage Solicitors have years of experience assisting people looking for a more beneficial mortgage deal. Call us today for more information on our remortgaging services.
The lenders from whom we can act are listed here.
Do I Need a Solicitor to Remortgage?
If you remortgage with the same lender (known as ‘product transfer’), you may not need a solicitor; however, this depends on various factors, including whether you’re getting an advance on your existing mortgage or moving to a new rate or deal. That said, you may still benefit from advice from a Remortgage Solicitor to ensure the deal is right for you.
If you are remortgaging with a different lender, you must seek legal assistance to deal with the formalities included in the deal. As this process involves paying off your current mortgage in full and replacing it with an entirely new one, a solicitor will need to liaise with your new lender, review the mortgage documentation and update the charge at the Land Registry. This process can often be complex, so choosing an experienced legal professional is crucial.
How Long Does a Remortgage Take?
Before our work with new clients can begin, we must complete the client retention process: agreeing on the scope of what we are doing for the agreed-upon price, client setup and ID checks, and producing the bill. Please note that all new clients must make payment in advance.
Following this, depending on the circumstances, it takes around 4–8 weeks for a typical remortgage process to complete. If an initial deal is rejected, it can take even longer.
If you are planning to proceed with remortgaging in the near future, you may also be able to agree on a mortgage in principle up to three months in advance.
Many remortgaging delays are due to administrative holdups. To ensure the process moves quickly, you should ensure any relevant documentation is completed and returned swiftly.
Money Matters
Whether you are looking to secure a better interest rate or release equity from your property, our legal team ensures a smooth transition between lenders. We provide the expert oversight needed to satisfy both your requirements and those of your mortgage provider during the remortgage process.
We charge a 30% supplement for complex titles such as leaseholds.
Remortgage (£725 + 0.05%)
We offer a professional legal service to act on behalf of both you and your mortgage provider during a remortgage transaction. Our team handles the necessary title checks, coordinates with your lender, and manages the registration of the new security.Our fee is calculated as a professional service charge plus a percentage of the loan amount, with VAT applied. For properties with complex titles, such as leaseholds, a percentage-based supplement is added to account for the additional legal work required.
Your supplier is CLC-regulated Mounteney Conveyancers Ltd, which charges VAT that some customers may be able to reclaim.
There is more info about our fees here
If you have any questions, require any further information, or would like to engage us on the T&Cs linked Our Terms in the footer below, please don’t hesitate to Contact Us.
What happens if I’ve changed jobs since I last took out a mortgage?
If you’ve changed jobs or increased your full-time earnings, you must provide your current employer’s details on your mortgage application. If you’ve switched to a part-time role or undertaken a new role with decreased wages, this will impact the amount you can borrow. Self-employed individuals and those on maternity leave must also follow different rules.
Can I move my mortgage early to get a better deal?
You can. However, you may have to pay an early repayment penalty, negating the benefit of anything you could save by paying a lower interest rate. An experienced mortgage broker can advise you on your options should you want to move your mortgage early.
Is a remortgage the same as a product transfer?
Not entirely—if you’re staying with the same lender and securing a new rate, this is known as a product transfer, and you will only have access to their options rather than options from numerous other lenders. Your existing lender probably won’t do further checks under a product transfer, and no legal work is required. However, it could be cheaper to seek a different lender elsewhere.
Contact our Remortgage Solicitors
Our Remortgage Solicitors provide a reliable, efficient and fully regulated legal service to clients across England and Wales. We manage all legal aspects of the remortgage process with professionalism and precision, helping you make a smooth transition from one mortgage to another with full legal protection in place.
We focus on delivering clear legal advice, regular updates and practical guidance tailored to your circumstances. Clients choose us for our attention to detail, personal service and ability to simplify even the more technical aspects of property law. Many of our clients return to us for future transactions and regularly recommend our services to family, friends and colleagues.
With offices in Bramhall, Cheadle, Hazel Grove and Heald Green, Mounteney Solicitors offers the reassurance of a well-established law firm with strong local roots. As experienced solicitors in Stockport, we are proud to support clients across Greater Manchester and beyond. Our residential property solicitors are approachable, knowledgeable and committed to making your remortgage process straightforward and stress-free.
Contact us today to speak with one of our experienced Remortgage Solicitors and take your next step with clarity and confidence.
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Online Conveyancing
First Registration of unregistered property
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