For many homeowners, remortgaging is a practical way to reduce costs and gain more control over monthly payments. A mortgage is a significant financial commitment, and it’s important to explore options that could reduce your costs and provide greater flexibility.

However, the remortgaging process can be complex. It involves strict deadlines, thorough checks on title deeds and documentation, and communication with lenders and other parties.

Our experienced remortgage solicitors can handle everything from straightforward transactions to more complex cases, ensuring each step is managed smoothly. With decades of combined expertise, we anticipate potential issues before they arise, keeping your application on track and guiding you through the process with confidence.

Working with our specialist residential conveyancing solicitors, we provide clear, practical advice to help you make informed decisions and secure the best possible outcome.

If you’d like more specialist advice suited to your circumstances, you can speak to one of our solicitors and specialist lawyers in Ashford, Cranbrook and Hythe.

Please be aware that this blog is for informative purposes only and should not be taken as legal advice.

How much does a solicitor charge for a remortgage?

There is no one fixed cost for a remortgage service, as it will depend on the complexity of your transaction, the amount of work involved and the value of your property. Legal fees can range from around £300 to £1,000, but additional tasks such as registering new mortgage deeds or repaying existing loans may require additional charges.

At Kingsfords, we are committed to complete transparency with our legal fees. We provide an initial estimate and keep you informed of any changes throughout the process. Our pricing is competitive and clear, ensuring you have full confidence in our services.

Why do I need a solicitor to remortgage?

Our expert solicitors can handle the remortgaging process on your behalf ensuring it is in your best interests and everything proceeds smoothly. We take care of important tasks such as dealing with the Land Registry, reviewing the terms of your new mortgage, and settling your existing loan.

At Kingsfords, we take a proactive approach, anticipating potential delays and finding solutions to keep your remortgage on track. Our focus is on securing the best outcome for you, and we are committed to guiding you through the process, no matter what challenges may arise.

When should I instruct a solicitor when selling my house?

You should instruct a solicitor as soon as you decide to sell your home. Getting legal support early ensures that all necessary documents, such as title deeds and property information forms, are prepared in advance, helping to prevent delays later in the process.

A solicitor will also identify and resolve any potential issues that could slow down the sale. At Kingsfords, our experienced residential property solicitors provide clear, practical advice from the outset to ensure a smooth and efficient sale.

How long do solicitors take to remortgage?

Most remortgages take between four and eight weeks, depending on the complexity of your property title and how communicative your lender is. However, complications, such as issues with the title or the requirement of additional searches or house valuations, can cause further delays.

We understand how frustrating this can be, and our solicitors will aim to streamline the process as much as possible, preparing documentation promptly, keeping in contact with relevant third parties and anticipating problems ahead of time so that they can be dealt with swiftly.

Can I remortgage my house on my own?

Most lenders will require you to instruct a solicitor to oversee the legal aspects of the process. This is to safeguard the best interests of all involved and make sure that you are not left at an unfair disadvantage.

Without guidance, you are vulnerable to missing deadlines or making a mistake with your documentation, which could lead to expensive costs for you. At Kingsford, we can take care of all of the legal aspects of remortgaging, ensuring your interests are protected and everything is completed smoothly and on time.

If you are considering applying for a remortgage, instructing a solicitor to buy a house or selling a property, contact our residential conveyancing solicitors or our remortgage solicitors for a supportive and professional legal service.

If you would like specialist remortgaging advice suited to your circumstances, you can speak to one of our solicitors or specialist lawyers in Ashford, Cranbrook and Hythe.