Mortgage & Remortgage Conveyancing Solicitors

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Mortgage or Remortgage of a residential property

We have an expert conveyancing team ready to help you deal with the legal process involved with mortgaging or remortgaging your property. Whether you need a mortgage solicitor or a conveyancing solicitor for a remortgage, we can guide you through each step.

Contact us today for more information.

Our mortgage and remortgage conveyancing fees

Our legal fees* cover all the work required to complete a standard mortgage or remortgage of your property, including dealing with registration at the Land Registry.

You can also view our full Conveyancing Pricing Overview page or compare costs using our Online Conveyancing Tool.

Our legal fees

  • Legal fee range is typically : £850 - £1095 depending on mortgage value (plus VAT at 20% (£170-£219))
  • Electronic money transfer fee** £30 (plus VAT at 20% (£6))
  • Digital conveyancing fee*** £3.40 (inclusive of VAT) per client, per matter.
  • Digital completion fee*** £10 (plus VAT at 20% (£2)) 
  • AML & ID check fee £25 (plus VAT at 20% (£5)) per client

    Subtotal :    £1,101.40 - £1,395.40 (inclusive of VAT at 20%)

*These fees may vary and can occasionally be significantly more depending on individual circumstances. We charge a fixed fee for this type of work, and we will discuss this with you if your matter requires additional work.

**In addition to our legal fees, we charge for transferring money electronically (see above), and ***where you choose to use our digital conveyancing tools package (App and online portal), our digital conveyancing fee will be applied. A digital completion fee will be charged even where our App is not being used as this relates to submission of SDLT return to HMRC and the registration application to the Land Registry.

Referral fee (if any)

If our firm pays a referral fee, the maximum we pay is £125 (plus VAT at 20% (£25)).  If we pay a referral fee, this will be detailed in your Client Care Letter so that you know how much and who we have paid the referral fee to on your matter. A referral fee is not payable by you. 

Payments to others in all cases

Payments to others (or "disbursements") are costs related to your matter that are payable to third parties, such as Land Registry fees. We handle the payment of the disbursements on your behalf to ensure a smoother process.

  • HM Land Registry fee re official copies: £8.50-£17 (plus VAT applicable at 20% (£1.70-£3,40))
  • HM Land Registry Registration fee - this depends on the value of the mortgage. The range is : £20-£1105 (No VAT applicable)
  • Search fees: £240-£290 (inclusive of VAT at 20% (£40-£48.33)) (or if the mortgage lender accepts it, we can put in place no-search indemnity insurance.  A quote is obtained for each individual matter but the price ranges between £10-£55 (inclusive of Insurance Premium Tax)
  • Land Registry priority search fee - £8.50 per title number (plus VAT at 20% (£1.70))
  • Land Charges search fee - £7.50 per person named on the mortgage (plus VAT at 20% (£1.54))
  • Final Lenders Handbook search is £4.80 inclusive of VAT at 20%
  • Stamp Duty Land Tax.  Whilst not something which automatically comes to mind when remortgaging a property, this may need to be considered if there is a change of ownership of the property at the same time as the new mortgage completes. You can use the governments online calculator however this is more suited to straightforward purchase transactions, and we would ask you to please contact us if you are transferring ownership of the property, so that we can tailor the SDLT calculation to your personal circumstances

In relation to leasehold –

  • Notice of Charge fee for leasehold properties. Often the fee is between £50-£250 (plus VAT at 20% (£10-£50)) *
  • Certificate of Compliance fee – to be confirmed upon receipt of the lease, as can range between £100-£500 (plus VAT at 20% (£20-£100)) *

*These fees vary from property to property as they are set by individual landlords and management companies.  This means that on occasion they can be significantly more than the ranges given above.  We can give you an accurate figure once we have sight of your specific documents.

Estimated grand total : £1,395.60 - £2,831.40 (inclusive of VAT at 20%)*

*We have listed the minimum payable for fees and disbursements to the maximum but only for freehold properties as we are unable to gauge what the leasehold disbursements will be until we act on an individual case.

For more information, contact our mortgage and remortgage conveyancing experts.

How long will my mortgage or remortgage take?

The average process takes between 3-5 weeks from our receipt of your new mortgage offer.

Many individual stages take 1–3 days, but delays can occur depending on lender requirements, search times and whether additional checks are needed.

We can provide a tailored estimate once we know more about your circumstances.

Stages of the process

These are the key stages of the mortgage and remortgage process:    

  • Take your instructions and give you initial advice, to include calculation on SDLT liability tailored to your personal circumstances.

  • For a remortgage – obtain redemption figure from existing mortgage lender.
  • Check finances are in place to fund mortgage or remortgage and contact lender’s solicitors if needed.
  • Receive and advise on the mortgage offer.
  • Carry out searches/implement no-search indemnity insurance.
  • Conduct due diligence checks on your legal title.
  • Go through conditions of the mortgage offer with you.
  • Send mortgage deed to you for signature
  • Agree completion date.
  • Arrange for all monies needed to be received from lender and you.
  • Carry out final Land Registry and Land Charge searches.
  • Complete the new mortgage.
  • Pay off your old mortgage.
  • Deal with application for registration at Land Registry.
  • For leasehold properties: comply with any lease requirements

You can get an instant conveyancing fee estimate online using our Online Conveyancing Tool.

You can see the legal advisers who work in our Residential Conveyancing Team.

Service Standards

We want to give you the best possible service. However, if at any point you become unhappy or concerned, please inform us immediately so that we can resolve the issue quickly.

Our residential property team won Residential Property of the Year at the Yorkshire Legal Awards 2022, acknowledging us being a market leader and providing a high quality conveyancing service for clients.

 FAQs

Do I need a solicitor for a remortgage?

Most lenders require one to confirm the title is correct and to register the new mortgage.

How long does remortgage conveyancing take?

Typically 3–5 weeks, depending on lender processing times and whether searches or extra checks are needed.