Do You Need a Solicitor to Remortgage?

Remortgaging means replacing your current mortgage with a new one. If you move to a new lender, your existing mortgage must be removed from the title and the new lender’s charge must be registered. That is a formal legal process. A conveyancing solicitor checks the title, handles the documents and money, and updates the Land Registry so everything is recorded correctly.

Almost always, yes. A new lender will expect a solicitor to confirm the property is suitable security, to manage funds on the completion date, and to register the lender’s charge. Without these steps, the loan will not complete. A solicitor also keeps timelines on track so you do not miss a rate end date or an offer expiry.

There are a couple of common exceptions. If you stay with your current lender and simply switch to a new deal, often called a product transfer, there is usually no change to the legal position and formal conveyancing may not be required. Some further advances with the same lender work the same way. However, if you add or remove a borrower, known as a transfer of equity, or if you move to a different lender, legal work is required and you should instruct a solicitor. As a quick rule of thumb, if the Land Registry entry will change, expect to need legal help.

Your solicitor handles the details so the changeover is smooth. We verify your identity, check the title, and order searches or search insurance if the lender asks for them. We review your mortgage offer, explain any conditions in plain English, and prepare the mortgage deed for signing. We request a redemption statement from your current lender, receive funds from the new lender, repay the old loan to the exact amount, and send you any surplus. Finally, we update the Land Registry to remove the old charge and register the new one, then provide confirmation and any updated title documents. Throughout, we coordinate with both lenders and keep you informed so there are no surprises.

Small errors can cause big delays. A deed signed incorrectly, a lender condition overlooked, or an unresolved entry on the title can stall completion or force a new offer at a worse rate. Problems on the register can also create issues the next time you remortgage or sell. A conveyancer reduces these risks and gives you a single point of contact who keeps the process compliant and on schedule.

If you are changing lender or changing who is on the mortgage, yes, you will need one. If you are just switching rate with your current lender, you may not. 

Not sure which applies to you? We are happy to give a quick steer. If your situation does require legal work, our team can manage everything from offer to registration so you can secure your new deal with confidence. Speak to our Conveyancing Solicitors at John Fowlers.