top of page
Signing a Contract

Re-mortgages

Remortgaging – Clear, Reliable Legal Support for Your New Mortgage

Remortgaging is the process of switching your existing mortgage to a new lender or product, often to secure a better interest rate, release equity or change the terms of your loan. While it may seem straightforward, the legal process involved is just as important as when purchasing a property.

​

At SW Property Law, I provide efficient, straightforward and proactive legal support to ensure your remortgage is completed smoothly, with minimal stress and no unnecessary delays.

What is a Remortgage?

Remortgage involves replacing your current mortgage with a new one, either with the same lender or a different provider. Common reasons for remortgaging include:

​

  • Securing a better interest rate

  • Reducing monthly payments

  • Releasing equity for home improvements or other purposes

  • Consolidating debts

  • Changing mortgage terms

  • Moving from fixed to variable rates (or vice versa)

​

Although ownership of the property doesn’t change, legal work is still required to update the lender’s charge on the property.

Why Legal Support is Still Essential

Even though there is no buyer or seller involved, a remortgage still carries legal responsibilities, including:

​

  • Removing the existing lender’s charge

  • Registering the new lender’s charge

  • Reviewing mortgage conditions

  • Ensuring the title is suitable for the new lender

  • Conducting necessary searches (if required)

  • Handling lender instructions

​

My role is to ensure the process is handled correctly from start to finish.

My Remortgage Service Includes

  • Reviewing the property title
     
  • Liaising with your new mortgage lender
     
  • Repaying your existing mortgage
     
  • Registering the new mortgage with HM Land Registry
     
  • Ensuring compliance with lender requirements
     
  • Keeping you updated at every stage
     
  • Managing all documentation and deadlines

Common Reasons Clients Remortgage

  • Fixing a better rate before current deal ends
​
  • Funding renovations or extensions
​
  • Releasing equity for investments
​
  • Supporting family financially
​
  • Avoiding variable rate increases

Why choose SW Property Law?

✔ Clear, straightforward advice

✔ Efficient turnaround times

✔ Personal service from start to finish

✔ Transparent communication

✔ Attention to every legal detail

Ready to remortgage?

If you are considering a remortgage or have received a new mortgage offer, I’m here to help ensure the legal aspect is handled professionally and smoothly.
bottom of page