Our residential remortgage legal services
We can help with anything property-related, including:
Home Remortgage
A straightforward residential remortgage on your own home.
Buy to Let Remortgage
A straightforward residential remortgage for landlords.
Bridging Finance
A remortgage involving a short-term loan, between alternative funding options.
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.
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 remortgage?
We have helped thousands of clients with their remortgages across England and Wales, with a dedicated SAM conveyancing consultant to answer your questions and work alongside your solicitor to handle your case through to the end.
How does a remortgage work?
After your application, the remortgage process is mostly handled between your solicitor and your lender:
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1
Get your mortgage in principle
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2
Choose and instruct your solicitor
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3
Make your formal mortgage application
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4
Book the mortgage valuation
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5
Receive your official mortgage offer
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6
Your solicitor reviews the documents and sends your deed for signing
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7
Your solicitor draws down the new mortgage and settles the old one
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8
Your solicitor registers the new mortgage at the Land Registry
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.
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