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Do You Need A Solicitor To Remortgage?

Do You Need A Solicitor To Remortgage?Remortgaging is when you take out a new mortgage on a property you already own. If you are remortgaging, you may be asking yourself Do You Need A Solicitor For A Remortgage? 

It might be to borrow money against your property or maybe to replace your existing mortgage and there are plenty of reasons why you might do it. It could be to raise funds to pay for an extension to your property or for plenty of reasons.

Many homeowners do it to make the most of good deals and to lock in rates on their mortgage rather than relying on interest rates which can rise on loans.

In this article we look at whether you do need a solicitor for a remortgage.

If you would like to be connected to a specialist remortgage solicitor near to where you live or work, please either call us now on 0845 1391399 or complete a Free Online Enquiry.

Do I Need Solicitor For A Remortgage?

If you’re sat wondering ‘do I need a solicitor to remortgage, then we are first going to give you everyone’s favourite answer..

It depends.

You won’t always need a conveyancing solicitor if you’re remortgaging but it will depend on the circumstances.

For example, if you’re getting an advance where you’re borrowing more on your existing mortgage deal with your current lender then there are no legal aspects involved – this is usually known as a product transfer as mortgage deals are referred to as ‘products’.

So, the only charges are to do with increasing the loan and repayments, which means you might not need a solicitor.

BUT if you’re not remortgaging with your current lender then you will need a solicitor to assist with the legal aspects of transferring your mortgage deal across to the new deal.

How Much Does A Solicitor Cost For A Remortgage?

Depending on the complexity of your remortgage and the circumstances involved, a solicitor for a remortgage can cost anywhere between £400 – £2,000 and potentially more.

The reality is that a lot of the costs will depend on your location, the cost of the land registry fee, and whether there are any additional requirements to complete the remortgage from a legal point of view.

How Do You Know If You Need A Solicitor For A Remortgage?

Do I need a solicitor to remortgage? It’s a question you should absolutely ask when you’re looking at remortgaging.

Your lender should be able to guide you on whether or not you need a solicitor but if you do, you can expect them to conduct a lot of legal searches and work on your behalf.

Conveyancing (this is the legal branch of law relating to moving home and all things associated with it) isn’t as complicated when you’re remortgaging but there is still plenty of legal work involved. That includes:

  • Property searches and leasehold checks
  • A valuation on your property
  • Checking details on your current mortgage and obtaining a ‘redemption statement’ detailing how much you owe and the total of any exit and early repayment charges
  • ID checks and money laundering checks
  • Land Registry searches
  • Registering changes with the Land Registry

Not only that but your solicitor will also check the details of your mortgage offers and raise any issues with you and your lender, conduct bankruptcy searches, and complete the remortgage before paying off your old mortgage and fees and sending any remaining money to you.

The remortgaging process should take between one and two months and it’s usually quicker if you’re dealing with the same lender as your current deal – which is worth considering if you’re thinking about remortgaging.

Remortgaging Solicitors Near Me

At Solicitors Near Me, we know that remortgaging is a big decision and one that you want to get right.

Whatever the reason for remortgaging, we recognise that the legal side of things needs to be absolutely spot on and that’s where we come in…

Because we match you with specialist conveyancing solicitors near you to ensure you receive the absolute best legal advice possible.

Whatever the circumstances, we’re here to help – and we connect you with solicitors for FREE… so you don’t pay anything until you choose to proceed with a solicitor near you.

To be connected to a specialist solicitor near to where you live, please either call us now on 0845 1391399 or complete a Free Online Enquiry.

 

Do You Need A Solicitor To Remortgage?

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