Remortgaging shouldn’t mean starting from scratch. Our remortgage solicitors handle the legal work involved in switching lender or renegotiating your deal, so you can secure a better rate without the hassle.
Remortgaging means switching your mortgage to a new deal, either with your existing lender or a new one, without moving house. It replaces your current loan with a new one secured against the same property, usually to get a better interest rate, release equity, or come off your lender’s standard variable rate before it costs you more than it should.
Most people remortgage when a fixed-rate deal is coming to an end. Rather than drifting onto your lender’s standard variable rate, which is almost always higher, shopping around for a new deal and switching lender can save you a meaningful amount over the life of the loan. Our remortgage solicitors handle the legal work this involves for clients across Manchester, Sale, Chester and the wider North West.
Legal advice for new mortgages
A mortgage solicitor handles the legal side of taking out a new mortgage when you buy a property, including reviewing your mortgage offer, checking the title, and registering the lender’s charge once you complete. This work is included as part of standard conveyancing when buying a house, rather than being a separate service.
If you’re taking out your first mortgage, our first-time buyer solicitors page covers the full buying process, including what to expect from your lender. This page focuses specifically on remortgaging an existing property, but the same team in Manchester, Sale and Chester handles both.
Remortgaging services we can help with
Remortgage conveyancing covers more than swapping one lender for another. Our team handles every piece of legal work needed to complete your remortgage cleanly, whatever your circumstances.
Standard remortgages
A standard remortgage replaces your existing loan with a new one from a different lender, secured against the same property. We review your title, deal with your current lender to redeem the old mortgage, and register the new lender’s charge at the Land Registry, so the whole switch happens on your completion date without a gap in cover.
Buy-to-let remortgages
A buy-to-let remortgage works in the same way as a residential one, but with extra checks a lender will want on rental income and any existing tenancy. We manage the legal side for landlords across Manchester, Sale and Chester, including liaising with letting agents where a tenancy needs reviewing before completion.
Remortgaging a leasehold property
Remortgaging a leasehold property, such as a flat or apartment, usually means the new lender needs sight of the lease terms, service charge accounts, and sometimes a deed of covenant from the freeholder or management company. This can add time to the process, so we flag it early rather than at the last minute. If your lease itself needs extending or varying, our leasehold solicitors can advise separately.
Adding or removing someone from the mortgage
If you’re remortgaging and also adding a partner to the title, or removing someone following a separation, this is technically a transfer of equity alongside the remortgage. We handle both together so you’re not paying for two separate pieces of legal work. Our transfer of equity solicitors page covers this in more detail if that’s your main reason for remortgaging.
Releasing equity
Some clients remortgage specifically to release equity, borrowing more against the property’s increased value to fund home improvements, help a family member onto the property ladder, or consolidate other borrowing. We check the new borrowing terms carefully before you commit, so you understand exactly what you’re signing up to.
How remortgaging works with us
We keep the remortgage process simple and manage the legal admin so you’re not chasing paperwork between lenders.
Instruction and checks
Once you’ve chosen your new deal, we carry out the standard identity checks and take details of your current mortgage so we can contact your lender straight away.
Title review
We check your property’s title for anything that could hold up the new lender’s charge, such as an existing restriction, and flag it early if so.
Redemption and offer review
We request a redemption statement from your current lender and review your new lender’s mortgage offer, dealing with both lenders directly so you don’t have to.
Signing your documents
We send over the legal documents, including the new mortgage deed, and talk you through anything that needs explaining before you sign.
Completion
We receive the new mortgage funds, redeem your old mortgage in full, and register the new lender’s charge, so the switch happens on the same day with no gap in cover.
Why choose Slater Heelis as your remortgage solicitors
We work to your deadline
Remortgages are often time-sensitive, whether you’re racing to complete before your fixed rate ends or your lender’s offer expires. We keep things moving and flag early if anything looks likely to slip, so you’re not left drifting onto a standard variable rate while paperwork catches up.
One point of contact, start to finish
You’ll deal with the same conveyancer throughout, not a call centre or a different name every time you phone. That matters when you’re juggling two lenders and want someone who already knows your file.
Support beyond conveyancing
Remortgages sometimes bring up other legal questions: adding a partner to the title, releasing equity for a specific purpose, or checking a lease before a new lender will lend on it. Because we’re a full-service firm, you can get advice on those matters from colleagues down the corridor, not a different firm entirely.
A track record clients trust
We’re rated 4.9/5 on ReviewSolicitors from over 1,900 reviews, hold Law Society Conveyancing Quality Scheme (CQS) accreditation, and are listed in The Times Best Law Firms 2026, recognition built on consistently doing right by clients across the North West.
Fixed fees you can plan around
We quote based on your property’s value and complexity and explain costs clearly from the outset, so there’s nothing to catch you out later. Get an instant estimate using our online conveyancing fee calculator.
No fixed rate lasts forever, and drifting onto a standard variable rate can cost more than it needs to. Our remortgage solicitors can pick things up as soon as you’re ready to go.
Our offices in Manchester, Sale, and Chester are open for face-to-face meetings, and we regularly work with clients across the UK, with meetings at other locations available by appointment.
Frequently asked questions about remortgaging a house
Do I need a solicitor to remortgage a house?
You need a solicitor for remortgage conveyancing if you’re switching to a new lender, because they’ll need to register a new charge against your property and pay off your existing mortgage. If you’re simply taking a new product with your current lender, known as a product transfer, you usually won’t need one.
What do remortgage solicitor services include?
Remortgage solicitor services cover the title review, redemption of your existing mortgage, checking your new lender’s mortgage offer, and registering the new charge at the Land Registry. A solicitor also handles correspondence between both lenders directly, so you’re not caught in the middle.
How much do remortgage solicitor fees cost?
Remortgage solicitor fees are usually charged as a fixed fee based on your property’s value and the complexity of the work, such as whether a lease or additional borrowing is involved. Get an instant estimate using our online conveyancing fee calculator.
How long does it take to remortgage a house?
How long a remortgage takes depends on your lender, the complexity of your title, and how quickly documents are returned once sent to you for signing. Leasehold properties or additional borrowing can add time, which is why we flag any issues with your title early.
What's the difference between using a solicitor and a licensed conveyancer for remortgage work?
Solicitors are qualified lawyers regulated by the Solicitors Regulation Authority (SRA), while licensed conveyancers are regulated by the Council for Licensed Conveyancers and specialise specifically in property transactions. Both can handle remortgage conveyancing, though a solicitor can also advise on related legal matters, such as a transfer of equity, under one roof.
How do I choose the right solicitor for remortgage conveyancing?
Look for a firm with clear, fixed fees, Conveyancing Quality Scheme (CQS) accreditation, and reviews from recent clients rather than a handful of cherry-picked ones. A single point of contact throughout also matters, particularly if your remortgage is time-sensitive.
How do I remortgage my house?
To remortgage your house, you compare deals, apply to your new lender, and instruct a solicitor to handle the legal transfer once your offer is agreed. We take care of the checks, paperwork, and lender correspondence, so your role is largely limited to signing documents and confirming details.
Can I add someone to my mortgage when I remortgage?
Yes, adding someone to your mortgage during a remortgage is common, particularly when a partner is joining the title. This is handled as a transfer of equity alongside the remortgage itself, and we manage both together rather than as separate pieces of work.
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