Remortgage Solicitors
When it comes to Remortgaging, we offer advice and services for the following:

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Remortgaging With Tinsdills Solicitors
With the economic climate constantly changing, homeowners are understandably keen to ensure they achieve the best deal possible on their mortgage repayments by Remortgaging their property.
Sometimes, changing lenders can secure a new, more competitive interest rate and ensure you have more monthly money in your pocket.
Some lenders will insist that a solicitor be consulted as part of the Remortgage, as this often leads to the requirement for a property transfer and amendment to the deeds (legal register).
Remortgaging Explained
Taking a new mortgage deal on a property you already own is known as Remortgaging. You may decide that remortgaging is the best course of action if you need to borrow money against the value of your home or replace your existing mortgage.
It’s essential to be cautious when considering a Remortgage, as it can often be the most significant financial decision you will make following the initial purchase of property – that’s why you need expert guidance along the way.
Suppose your fixed-rate, tracker or discount mortgage is coming to an end. In that case, you might consider a Remortgage to help combat standard variable rates offered by your current lender, often with higher interest rates.
Additionally, if you can increase your mortgage payments, Remortgaging allows you to select a different lender with a smaller loan amount. Remember, switching lenders doesn’t always ensure the best rate. Pay close attention to exit fees versus the amount saved with the lower-rate mortgage.
Frequently Asked Questions Remortgaging
How long does it take?
Whilst this can change on a case-by-case basis, the process generally takes 4-6 weeks.
What is involved in the legal process for remortgaging?
A remortgage is the process of paying off your existing mortgage and entering into a new one. The new mortgage funds are generally sufficient to discharge any amounts outstanding on the existing mortgage. If not, there will be a shortfall for you to pay.
The solicitor will ensure that the old mortgage is removed from the property’s title and that the new mortgage is entered. The new lender may require searches to be carried out and enquiries raised similarly to a purchase transaction.
What fees do I need to pay for remortgaging?
This depends entirely on the value of the mortgage. Use a good online mortgage calculator to estimate it.
Why Tinsdills is the legal team for you
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Contact Us To Discuss Remortgaging with Tinsdills Solicitors
For an in-depth discussion regarding Remortgaging your property, pop into one of our branches or call directly.
Our phone lines are open Mon to Fri: 9:00am – 5:00pm.
Tinsdills Solicitors offers all family legal services across Staffordshire, Cheshire, Derbyshire, and Shropshire.
Contact us today or visit a local branch
Hanley:
01782 956123
Newcastle:
01782 956123
Sandbach:
01270 449106
Leek:
01538 710247