Remortgaging

Ensuring the best deal for you
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Re-mortgage/Transfer of Equity
 

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.
So, when you appoint us, you can relax in the knowledge that your legal property needs are being taken care of.
When a fixed rate mortgage revert to the Mortgage Lenders variable rates
 

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.
 
How OptimalSolicitors 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.
 
0161 250 7771
 
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.
 
  1. Once your mortgage offer has come through we can advise you on this and explain the terms to you
  2. 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
  3. If your new lender insists on it, we’ll carry out searches (such as water and drainage, environmental and local authority)
  4. 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
  5. If we are dealing with a change of ownership, we will draft a new Transfer Deed which transfers ownership of the property to you
  6. We register the new mortgage and transfer at the Land Registry.
 
 

Our Conveyancing Experts

Jennifer Studholme
Jennifer Studholme
Head of Conveyancing Team
Jennifer heads up the Conveyancing team, and is an attentive and accomplished Property Lawyer, having qualified in 2005 and specialising in all areas of Residential Conveyancing. Jennifer has acted for both private clients and Investors alike, in buying and selling Freehold and Leasehold homes, and property portfolio investment and re-mortgage work. Jennifer is also highly experienced in more complex matters, dealing with shared ownership homes, new build developments and lease variations.
 
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.

Buying 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.
 
Arrange your free consultation today.
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