Remortgage Solicitors

Conveyancing made simpler

Remortgaging your home shouldn’t be confusing – and with the right team, it isn’t. 

Here at Bespoke Law Services, we specialise in online conveyancing across England and Wales, helping homeowners remortgage with ease. 

Whether it’s to get a better deal, raise money for home improvements or release equity, our job is to make the legal side of the remortgaging transaction refreshingly straightforward.

See how easy remortgaging can be with help from our conveyancers.

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What is remortgaging?

You’ll likely hear the term ‘remortgage’ when you’re looking to switch mortgage deals, looking for more flexible options for your repayments or moving money around to cover payments or debts. 

Remortgaging is essentially the process of replacing your existing mortgage with a new one. 

When reviewing your mortgage, you may assume you need remortgage solicitors. However, in most cases, it’s a remortgage conveyancer you need. 

And that’s exactly what we here at Bespoke Law Services can provide – a stellar, remortgaging conveyancing service that ensures your finances are exactly where you want them.

The remortgaging process:
Keeping things simple

Remortgaging involves a few key steps to transfer your home’s mortgage from one lender to another.

Here’s how the remortgaging process works:

1

About you

Your remortgage conveyancer will begin the process by confirming your identity with a couple of checks. 

This is a legal requirement, which we make quick and simple. Each person named on the mortgage or home deeds will need to complete this step.

2

Current mortgage

Next, your remortgage conveyancer will request a statement from your current lender so we know exactly how much is left to pay off. 

If you’re using any of your own funds to help pay it down, you’ll need to prove where that money is coming from. Rest assured, we’ll let you know exactly what documents we need to make the process as easy as possible.

3

Property paperwork

The next step is to check the title deeds at the Land Registry to confirm you’re the legal owner. We’ll also see if there are any existing charges or second loans that need attention. 

If you own a leasehold home, your remortgage solicitor or conveyancer will also check that everything meets your new lender’s requirements.

4

New mortgage offer

Once you have your new mortgage offer, your remortgage conveyancers will carefully review it to ensure everything is in order.

5

Completion day

When your lender’s happy and all checks are complete, we’ll request the remortgage funds. 

Your conveyancing team will pay off your old mortgage and handle any associated fees. If there’s extra money being released to you, we’ll make sure it lands safely in your account, keeping it as straightforward as possible.

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Why choose Bespoke Law Services as remortgaging conveyancers?

Trusted for making the legalities as easy as possible

Choosing us as your remortgaging conveyancers means you’re in safe hands – after all, we have extensive experience of helping people like you through the process. 

Think of us as your personal support team – here to make it all as simple as possible and give you the confidence to stay fully in control of your finances.

A human approach

We know remortgaging can be confusing – that’s why we’ll treat you like a person, not a file.

Experienced hands

Our remortgaging team knows property conveyancing inside and out, with years of experience to guide your move.

Straightforward service

No jargon, no confusion. Just easy-to-understand updates and assistance all the way through.

Friendly guidance

We aim to become more like a trusted friend than a formal conveyancer – here whenever you need us.

Great value

Our fees are competitive – we will always clearly explain exactly what you’re paying for.

One team, start to finish

You’ll have the same legal team from start to finish, ensuring a personal and consistent service.

Make your remortgage simple

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Understanding remortgage solicitor fees

We know that remortgaging isn’t just a legal process – it’s a financial decision. That’s why we keep our fees completely clear and fair. There’s no one-size-fits-all fee, because every home and every remortgage are slightly different.

A few things that can affect cost:

  • Whether your home is leasehold or freehold
  • If your lender asks for extra checks or searches
  • Whether any existing loans or legal charges need sorting

Typically, conveyancer fees for remortgaging range from £400 to £1,200, plus standard disbursements like Land Registry fees.

But don’t worry, before anything begins, your remortgage solicitors or conveyancers will give you a full estimated quote with no surprises. In short, you’ll know exactly what you’re paying for and why.

Let’s make it easy for you

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Frequently asked questions

Most lenders will require a conveyancer to handle the legal side of your remortgage. While some banks use their own in-house teams, many will ask you to choose a conveyancer who’s on their approved panel. The good news? Bespoke Law Services is on all major lender panels, so we can step in and help right away.

Our conveyancers will usually start with your mortgage offer, as this tells us exactly what’s needed. Then we’ll ask you to sign the mortgage deed. You’ll also need to provide ID (photo and proof of address), and we’ll carry out a standard Anti-Money Laundering check. Don’t worry, we’ll guide you through each step.

The timeline can vary, but typically the process will take a few weeks. Your dedicated conveyancer will provide more accurate details based on your situation. We’ll keep things moving and keep you in the loop the whole time.

Our fees for remortgaging conveyancing typically range from £400 to £1,200, depending on your home’s specifics and your lender’s requirements.

We’ll always give you a clear, upfront quote so you’re never caught off guard.

Yes, as long as your chosen remortgage solicitor, or conveyancer, is on your lender’s panel. 

Bespoke Law Services is approved by all major mortgage lenders, so you can use us even if your lender offers other options. It’s important to choose conveyancers you feel comfortable with and trust to act in your best interests.

While remortgaging can be the best option for many people looking to save money, it also carries risks. Some of these include:

  • Potential interest rate fluctuations
  • Negative equity
  • Temporary credit score impacts 
  • Increased costs from fees
  • Early repayment penalties 
  • The possibility of rejection

That’s why ensuring you’re using a trusted remortgage conveyancer to help manage the whole process is so important.

Making the decision to remortgage will take time and consideration. Remortgaging can save you a lot of money, but be sure to check the terms of your existing mortgage before you make any decisions. This way, you can ensure you’ve accounted for:

  • Early repayment fees
  • Costs of your new mortgage (e.g. application fees, survey fees, Land Registry searches)
  • Whether the cost of switching mortgages exceeds the amount you would save

For expert advice, our conveyancers for remortgages can help you assess the costs and make your final decision.

There are a few things you can do to prepare for remortgaging – this will ensure your finances and application are in the best place possible to be accepted. These include:

  • Credit report: Ensuring that your credit score, or report, is healthy (e.g. no unexplained outstanding payments or debts).
  • Paying off your credit card: Each month, pay off your credit card in full and avoid going into your overdraft. 
  • Payments: Avoid paying significant sums of money where possible, and avoid applying for additional credit. 
  • Research: Make sure you’ve done your research to find the best deals and lenders for your remortgage. Also, research whether you’ll need to pay any existing mortgage repayment charges.

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