How much does a solicitor cost to remortgage

Our average solicitor fees are £399 INC VAT. Costs vary based on the property's value and the complexity of the legal work required.

How long does remortgage conveyancing take?

It should only take 3 to 4 weeks for a freehold remortgage. If the property is leasehold, or a share of freehold, factor in a few extra weeks for the freehold company to confirm their completion requirements..

What are the disbursements for a remortgage?

These are fees to third parties, outside of your solicitor's scope of work. For example: online ID verification, official copies of Land Registry documents, and registration.

Remortgage Solicitors

Get a free, fixed-fee quote to handle your remortgage conveyancing. We handle residential, buy-to-let, commercial, and any affordable housing scheme.

Our panel is CQS-accredited and on 99% of mortgage lender panels(1) .

Get a Remortgage Quote

A SAM Conveyancing client pushing a house toward a new mortgage lender, representing a stress-free mortgage from our panel of expert solicitors.

Our residential remortgage legal services

We can help with anything property-related, including:

A house containing a £ sign encircled in an arrow, representing a remortgage with SAM Conveyancing

Home Remortgage

A straightforward residential remortgage on your own home.

Joint borrowers receive Independent Legal Advice from SAM Conveyancing regarding their single proprietor mortgage

Buy to Let Remortgage

A straightforward residential remortgage for landlords.

A bridge supporting a £ sign, representing a bridging loan with SAM Conveyancing

Bridging Finance

A remortgage involving a short-term loan, between alternative funding options.

A pair of scissors, separating equity shares on each side, representing a transfer of equity from SAM Conveyancing

Transfer of Equity Remortgage

Remortgaging to add or remove a legal owner from the title.

Help to Buy Remortgage

A remortgage to repay all or some of your equity loan.

A house climbing a set of stairs, representing staircasing your shared ownership property with conveyancing from SAM

Staircasing Remortgage

A remortgage to purchase a greater share of your shared ownership property.

Equity Release Remortgage

A remortgage to release funds from the equity in your home.

Independent Legal Advice

Reliable, straightforward advice on your mortgage product.

If have a remortgage qustion, call or email on 0333 344 3234 (local call charges apply) / help@samconveyancing.co.uk, or Ask a Free Online Question.

Why choose SAM’s conveyancing solicitors for your remortgage?

We have a panel of CQS-accredited conveyancing solicitors who take all the hassle out of the process and are on 99% of mortgage lender panels. We also understand what it is like to be in your shoes, so we take the time to keep you updated along the way and help you tackle any property challenges that may come up.

"Brilliant experience, would recommend this company to everyone, glad I found them online. They made me understand things I didn’t, and explained everything step by step. I got my remortgage done straight away because of them." Mya Samra

"I am very pleased with Sam Conveyancing. I used them for a remortgage and they were quick and helpful. I'll definitely recommend them. The solicitor they recommended was excellent and quick." Saiid.

"Our first conversation with Oberon was great. He speaks plain English and was good humoured and helpful I've had mortgages before but it's always a bit daunting doing a remortgage. SAM conveyancing were helpful, quick and clear. We will be recommending them to our friends." Sue

How does a remortgage work?

After your application, the remortgage process is mostly handled between your solicitor and your lender:

1
Get your mortgage in principle
2
Instruct a solicitor on your mortgage lender's panel
3
Make your formal mortgage application
4
Book the mortgage valuation
5
Receive your official mortgage offer
6
Your solicitor reviews the offer and sends your mortgage deed for signing
7
Your solicitor draws down the new mortgage and settles the old one
8
Your solicitor obtains a redemption statement for your existing mortgage
9
Your solicitor completes, receiving the new mortgage, and paying off the old one off
10
Your solicitor updates the charge at the Land Registry

What is meant by a mortgage lender panel?

Mortgage lenders pick and choose the solicitors who they will agree to act on their behalf, so not all solicitors are able to help you with your remortgage. You don't have that problem with SAM Conveyancing because we have solicitors who are on 99% of all mortgage lender panels in England & Wales.

Including: HSBC, Santander, Natwest, and more.

We are on 99% of mortgage lender panels

Fixed-fee remortgage solicitors

Say goodbye to hourly rates and hidden charges – our expert panel of solicitors ensures you know exactly what you're paying for from the outset.

We always provide a detailed breakdown of both our legal fees and all anticipated third-party costs upfront. Our fixed fee guarantee ensures you're never left with surprises, allowing you to realistically and accurately budget for your entire conveyancing journey.

Expert Tip - Can I remortgage without a solicitor?

You can remortgage without a solicitor if you're doing a mortgage product transfer with the same lender, as they're just changing the terms of the agreement they already have with you on the same property.

If you're remortgaging with a new lender, you'll need a solicitor to oversee the technical aspects of the transaction and advise if any part of the mortgage terms is unusual or unfair. Their job is to make sure you fully understand what you are signing up for, as your home could be repossessed if you break the mortgage terms.

Andrew Boast FMAAT

CEO of SAM Conveyancing

What legal work does the solicitor complete?

Client Identity checks
Reviewing the legal title
Request the mortgage redemption statement from the old lender
Receive and review the new mortgage offer
Draw down the new mortgage funds
Settle the old mortgage
Update the Land Registry

When should I remortgage?

Usually, you have to wait at least 6 months after the current mortgage is drawn down. Then, it will depend on your mortgage terms. Generally, it's best to wait until the fixed-rate period is over, or you could face early repayment charges.

When your fixed rate ends, you'll revert to the lender's Standard Variable Rate (SVR), which is much higher than the other fixed rate deals on offer.

Keep an eye on mortgage rates as you can apply for your new mortgage up to six months before you're due to switch, and see if your current lender can match a deal.