Remortgage
We make the remortgaging process as simple and as stress-free as possible
There are many reasons why you might want to take out a new mortgage on a property you own. Perhaps your fixed rate mortgage is coming to the end of its term and you are looking for a better rate. Or, you could need to remortgage following a divorce or separation as the home transfers fully into your name.
Whatever your reason for remortgaging, if you are moving to a different lender, making sure you get the best legal advice and support to guide you through the process is crucial.
With experience of all types of remortgaging - from simple to complex - at Optimal Solicitors, we pride ourselves on delivering a professional and personal service.
We also have enviable working relationships with many banks, building societies and other specialist mortgage lenders, so we keep everything running smoothly.
Making your remortgage as cost-effective and hassle-free as possible, we guide you through the process. And our expert and friendly conveyancing team is always here to answer any questions that you may have.
What’s more, because we know what matters to you, we remove the jargon from the process, so you benefit from the very best legal advice delivered in plain English.
There are many reasons why you might want to take out a new mortgage on a property you own. Perhaps your fixed rate mortgage is coming to the end of its term and you are looking for a better rate. Or, you could need to remortgage following a divorce or separation as the home transfers fully into your name.
Whatever your reason for remortgaging, if you are moving to a different lender, making sure you get the best legal advice and support to guide you through the process is crucial.
With experience of all types of remortgaging - from simple to complex - at Optimal Solicitors, we pride ourselves on delivering a professional and personal service.
We also have enviable working relationships with many banks, building societies and other specialist mortgage lenders, so we keep everything running smoothly.
Making your remortgage as cost-effective and hassle-free as possible, we guide you through the process. And our expert and friendly conveyancing team is always here to answer any questions that you may have.
What’s more, because we know what matters to you, we remove the jargon from the process, so you benefit from the very best legal advice delivered in plain English.
So, when you appoint us, you can relax in the knowledge that your legal property needs are being taken care of.
Why remortgage?
With fixed fees for many of our services and a free initial consultation, call us on 0161 250 7771 or contact us online to find out how we can help you.
You’re looking for a better interest rate and a cheaper deal
You want a fixed rate to ensure your payments don’t change month by month
You are worried about interest rates rising and want peace of mind over the next few years
The value of your property has risen, and you’re now eligible for lower rates
You need to borrow more money (e.g. to make home improvements or pay off debt)
You have had a divorce or relationship breakdown and want your home transferred into your name
You want the option to overpay your mortgage and your current deal doesn’t allow this (this can be handy if you have inherited money)
You want a more flexible arrangement with the option of taking payment holidays.
For a free initial consultation
Call us on 0161 250 7771 or contact our friendly, expert team to find out how we can help you.
Call us on 0161 250 7771 or contact our friendly, expert team to find out how we can help you.
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07546 785 771
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How it works
If you remortgage to a new lender, they will require you to instruct a solicitor to look after the conveyancing work. At Optimal Solicitors we keep things moving as quickly and efficiently as possible, while making sure that you always know what’s happening.
- Once your mortgage offer has come through we can advise you on this and explain the terms to you
- We’ll check the title deeds and let you and your new mortgage lender know if we find anything that has to be dealt with
- If your new lender insists on it, we’ll carry out searches (such as water and drainage, environmental and local authority)
- We’ll request the funds from the new mortgage to be sent on the date of completion and arrange to pay off the existing mortgage
- If we are dealing with a change of ownership, we will draft a new Transfer Deed which transfers ownership of the property to you
- We register the new mortgage and transfer at the Land Registry.
Call us on 0161 250 7771 or contact our friendly, expert team to find out how we can help you.
Kind words from people like you
At Optimal Solicitors, we are here for you in your time of need. But you don’t have to take our word for it. Here’s what our clients have to say about us.
How else can we help you and your family?
Our genuine understanding of your needs helps us to look after you and your family, now and in the future
Selling a home
Whether this is the first time you have sold, or whether it is your twentieth sale, our team of specialist conveyancers are familiar with every stage of the selling process. We help you every step of the way to ensure your move is as smooth as possible.
FIND OUT MOREBuying home
Buying a new home is an exciting time, but it can also be stressful. With a team of specialist conveyancers familiar with every stage of the buying process, we make sure that your move is as smooth as possible.
FIND OUT MOREArrange your free consultation today.
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Simplify the steps to remortgaging
Remortgaging doesn’t need to be complex. We’ll do all the legal legwork to make sure that the entire process is quick and seamless.
Let us take care of the legal side
Taking out a new mortgage has never been more straightforward
Whether you’re remortgaging a property to get a better rate, to borrow more money, or to add or remove a person from it, you’ll want to work with a knowledgeable solicitor – one who can provide tailored advice and support you throughout the entire process.
That’s exactly what we do at Optimal Solicitors. While remortgaging is definitely more straightforward than buying or selling a house, it pays to work with someone who can guide you effectively. We have strong relationships with many banks, building societies, and other specialist mortgage lenders so that you can remortgage more easily.
We’ve helped thousands of people, just like you, get the best outcome
Why Optimal Solicitors
Remortgaging involves performing many legal tasks and checks, including a valuation and bankruptcy search. We understand how important it is that the process is completed quickly and to a high standard, so every single member of our team works proactively.
We’ll chase third parties, and keep you informed throughout. When you appoint us to handle your remortgage, you can have complete confidence.
Being open is core to how we work. So we’re always upfront about the costs involved in our conveyancing services, outlining them in full during our free initial consultation. For an instant quote, you can always use our online calculator too.
No matter your reason for remortgaging, we’ll have handled a similar situation before. This experience has led to multiple industry accreditations. We’re also regulated by the Solicitors Regulation Authority, showing that we’re committed to best practice.
We believe remortgaging guidance should suit the client, so we provide personalised legal advice. This is delivered in your way – whether that’s via the phone, email, or in person. We can also supply an interpreter or translator if needed.
FAQs
The only instance where you wouldn’t need a solicitor is if you stayed with your existing lender and
moved to a new rate or deal – this doesn’t involve any legal work. Otherwise, you would need to appoint
a solicitor.
A conveyancing solicitor carries out various legal jobs, including:
- Confirming identification
- Assessing your current mortgage (finding out how much you owe)
- Completing property searches (if the lender requires it)
- Valuing the property
- Reviewing the new mortgage offer
Sometimes you may have no choice – a free solicitor can be part of the mortgage deal. But, if you have
to pay for your solicitor, then it’s best to do your research and pick one that fully meets your needs.
Generally, remortgaging will take between one and two months. If you are remortgaging with your current
lender, this tends to speed up the process.
Take away the burden of remortgaging with us
Optimal Solicitors make remortgaging as stress-free as possible. Chat to our team through a free initial consultation and learn exactly how we can help.
Speak to our specialist solicitors
