Remortgage conveyancing quotes

When remortgaging, your new lender requires a solicitor to register its charge on your property. We handle the full legal process from instruction through to Land Registry registration, so your deal completes on time.

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• What it does: Handles the legal work when you switch to a new mortgage lender
• When you need one: When switching lenders (not required for a product transfer with your existing lender)
• Fixed legal fee: From £350
• Typical timeline: 4 - 8 weeks
• No Completion No Fee: Included

It depends on what you are doing. If you are staying with your current lender and moving to a new deal (known as a product transfer), no conveyancing work is required and no solicitor is needed.

If you are switching lenders, remortgage conveyancing is required. Your new lender needs to register its charge against your property at the Land Registry, a process that can only be carried out by a qualified solicitor or licensed conveyancer. Remortgage conveyancing requires less work than a full purchase, but it still needs a qualified professional to handle the registration. Your solicitor acts for both you and the lender throughout.

Yes, in most cases. Some lenders offer a free conveyancing service as part of their remortgage package, but you are generally not obliged to use it. Choosing your own solicitor means you have a conveyancer whose focus is your interests rather than the lender's.

The most important thing is that your solicitor is on your new lender's approved panel. If they are not, the lender will appoint their own solicitor separately, adding cost and delays to the process. All solicitors on the Homeward Legal panel are approved by all major lenders, so there are no complications on that front.

Remortgage conveyancing is generally less expensive than buying a house, and unlike purchase mortgages the associated conveyancing work is more straightforward. Our fixed fee starts from £350.

On searches, your solicitor will advise whether a search indemnity policy or a full search pack is appropriate, depending on your lender's requirements. Some lenders accept indemnity insurance, which is significantly cheaper. We will confirm the most cost-effective route for your remortgaging.

Note that lender charges are separate: your new lender may charge an arrangement charge and your existing lender may charge an early repayment charge. These sit outside the conveyancing costs.

For a broader overview, see our guide to conveyancing costs.

Once instructed, your solicitor manages the full remortgage from start to finish. Your lender may also arrange a remortgage valuation (sometimes called a mortgage valuation) to confirm the property's current value before issuing the mortgage offer. From there, your solicitor handles:

• Verifying your identity and carrying out anti-money laundering checks
• Contacting your existing lender to obtain the redemption figure and retrieve any title deeds
• Reviewing the mortgage offer and reporting to you on the key terms
• Ordering searches or arranging indemnity insurance as required by your lender
• Arranging completion and drawing down funds from the lender
• Redeeming the existing mortgage and registering the new charge at the Land Registry

Your solicitor will keep you updated throughout and flag anything that needs your attention.

1. Instruct your solicitor: You instruct Homeward Legal and we assign a remortgage conveyancer from our panel.
2. ID and property information: Your solicitor verifies your identity and gathers information about the property and your existing mortgage.
3. Mortgage offer received: Once your lender issues the formal mortgage offer, your solicitor reviews it and reports to you.
4. Searches: Your solicitor arranges searches or obtains search indemnity insurance, depending on your lender's requirements.
5. Redemption figure: Your solicitor requests the settlement figure from your existing lender.
6. Completion: You sign the new mortgage deed. Your solicitor draws down funds, redeems the old mortgage and pays any remaining balance to you.
7. Land Registry: Your solicitor registers the new charge at the Land Registry and updates the title register, completing the remortgaging process.

Remortgage conveyancing can vary in timeline, but most remortgages complete in 4 to 8 weeks from instruction. The timeline depends largely on how quickly your lender issues the mortgage offer and how swiftly searches are returned.

You can help keep things moving by returning your ID and signed documents promptly, responding quickly to any queries from your solicitor and making sure your mortgage offer is in place before instructing. Your solicitor will flag any lender-specific requirements early so nothing holds up the timeline.

If your existing deal is coming to an end and you want to avoid reverting to a higher standard variable rate, getting your remortgage conveyancing underway as early as possible is the best way to protect yourself.

We've established an excellent reputation you can trust and helped over 34,000 customers in the past 15 years. 

Our conveyancing solicitors are regulated under the Solicitors Regulation Authority (SRA) and Council for Licensed Conveyancers (CLC). 

Ready to start remortgaging? Get a free, no-obligation quote in minutes, or call us on and we will be happy to talk it through.