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Conveyancing & Property Solicitors

Remortgage Conveyancing Solicitors

If you’re looking to remortgage your home or buy to let property, our experienced conveyancing team can guide you through the process. Our remortgage solicitors have helped thousands of people remortgage, and aim to make the conveyancing process as simple and stress-free as possible.

Remortgaging is when you change the mortgage on your property by moving to a new lender. Our solicitors can help whether you’re remortgaging to get a better deal, borrow more money, or because your circumstances have changed (because of divorce or relationship breakdown for instance).

We have extensive experience working with banks, building societies and other specialist mortgage lenders, so we know how they work. Remortgage using us and you’ll benefit from:

  • Fixed fees with no hidden costs – you can get a free conveyancing quote here
  • Experienced remortgage solicitors
  • Regular updates by phone, email or text message
  • Clear advice that’s practical and easy to understand
  • A prompt and reliable service

Above all we aim to make your remortgage stress-free, without the legal jargon and working to your timescales.

To find out how we could help with your remortgage conveyancing, please get in touch with our experienced team. You can get an instant quote online with our Conveyancing Calculator, call us on 0330 123 0068, or fill in our contact form and we’ll call you back.

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  • Helen Hutchison
  • Legal Executive - Partner
Meet The Team

Conveyancing Fees Calculator

Our handy online conveyancing calculator will give you an instant quote for our legal fees and as well as an estimate of the other fees you'll need to pay. Just enter the amount you wish to remortgage.

Offices nationwide
Leading remortgaging experts
Clear, simple pricing structure
Excellent customer service

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Purchase – Additional Fees
Acting for lender fee

If you are purchasing the property with the benefit of a mortgage, your lender will usually require that we act for them as well as you. You will be responsible for our fee for acting for the lender in the sum of £150 plus VAT.

Arranging indemnity (per policy)

There are many reasons that an indemnity policy may be required. If following a review of the title and the search results it becomes apparent that an indemnity policy is required, we will charge of fee of £55 plus VAT per policy. This fee is in respect of our obtaining a quotation and draft policy and forwarding the same to you for review.

We would point out that although in some instances you may not feel a policy is necessary, where you are purchasing with the assistance of a mortgage, a policy may be required to protect our lenders interests. Please note the fee of £55 is for arranging the policy. The cost of the policy itself will be additional and depends on the type of policy required.

Complex chain surcharge

If you are part of a long chain, with more than two related transactions we will charge an additional fee of £75 plus VAT. This is in respect of the additional work associated in agreeing timescales for exchange and completion.

Dealing with third party solicitors

If there is a third party solicitor involved in the transaction whom we need to liaise with, we will charge a fee of £200 plus VAT. For example, if you are selling a jointly owned property and the joint owner instructs their own solicitor.

Expedited completion fee

We would recommend that there is at least a week between exchange and completion to enable you to make your arrangements and for us to carry out the final searches and, where necessary, draw down your mortgage advance. If there is less than a week between exchange and completion we will charge a fee of £150 plus VAT for prioritising your matter.

Leasehold fee

If the property you are purchasing is leasehold, we will charge a fee of £150 plus VAT in respect of the additional work involved including reviewing the freeholders’ title, obtaining evidence that the ground rent is paid to date and confirmation of their notice fees.

An additional fee of £150 plus VAT will be charged on top of the leasehold fee if the property is an apartment in respect of the additional correspondence we will need to review from the freeholder and/or management company (the total leasehold fee will be £300 plus VAT where property is an apartment).

Please note that there may also be notice fees and/or consent fees payable to the freeholder and/or management company on leasehold flats and houses. Notice fees and consent fees are charged at cost where applicable.

New Build

If you are purchasing a new build property we will charge an additional fee of £350 plus VAT. This fee may increase and will be reviewed upon receipt of the draft contract package from the seller’s solicitors. If we anticipate this fee will increase, we will contact you immediately upon receipt of the contract documentation with an estimate.


If there is a restriction registered against the property title, we will charge a fee of £50 plus VAT to deal with the compliance/removal of the same.

Restriction fee

If upon completion of your purchase a nonstandard restriction is required we will charge £150 plus VAT for completing the Land Registry form and submitting the same to the Land Registry. There are several instances when such a restriction may be required to protect a number of interests, for example, where you are acting as a Deputy of a Patient of the Court of Protection or where you wish to refer to a Declaration of Trust, setting out respective shares to be held in the property. You may also wish to impose restrictions against future transfers of the property.

Separate lender representation

If your lender insists on instructing their own Solicitor to represent them, we will charge an additional fee of £250 plus VAT. This is for the additional work involved in complying with the lender’s solicitors requirements.

Shared ownership

If the property you are purchasing is shared ownership, we will charge an additional fee of £350 plus VAT. This is for the additional work in reviewing the shared ownership lease, reviewing documentation from the management company/shared ownership solicitor and dealing with any additional requirements set out by your lender in your mortgage offer.

Third party gift

If any funding towards the transaction is being provided by a third party, such as a family member, we will charge a fee of £75 plus VAT. The fee is to cover the cost of our writing to the person providing the funding, checking their identity and their evidence of funds.

Unregistered title

In most cases the title to a property will be registered at the Land Registry. Registration of property had become compulsory following a disposition across all of England and Wales since 1990.

If the title to your property is unregistered we will charge an additional fee of £150 plus VAT. This is for the additional work involved in preparing the Epitome of Title to provide to the buyers solicitors with the draft contract.

Key undertaking

A key undertaking may be required if you agree with your buyers that they will be granted access the property between exchange and completion. The key undertaking will set out the basis of any agreement in this regard. We will charge a fee of £50 plus VAT to prepare or review a key undertaking.

Solar panel lease

If the property benefits from solar panels and there is a solar panel lease which needs to be transferred to the buyer we will charge a fee of £125 plus VAT to deal with the assignment of the lease and for entering into correspondence with the solar panel company.

Help to Buy ISA Deposit

If you are purchasing a property with the assistance of a Help to Buy Scheme we will charge a fee of £300 plus VAT for the extra work involved including reviewing and reporting on the scheme requirements and arranging for you to sign the necessary documentation. If your deposit is to be drawn down from a Help to Buy ISA scheme we will charge £50 plus VAT in connection with the extra work required to obtain the bonus payment.

If you have any questions, please contact us online or call us free on 0330 123 0068.

Acting for lender fee £150 plus VAT

Arranging indemnity (per policy)

£55 plus VAT
Complex chain surcharge £75 plus VAT
Dealing with third party solicitors £100 plus VAT
Expedited completion fee £150 plus VAT
Leasehold fee (house) £150 plus VAT
Leasehold fee (flat/apartment) £300 plus VAT
New build fee £350 plus VAT
Restrictions £50 plus VAT
Restriction fee £150 plus VAT
Separate lender representation £250 plus VAT
Shared ownership £350 plus VAT
Third party gift £75 plus VAT
Unregistered title £150 plus VAT
Key undertaking £50 plus VAT
Solar panel lease £125 plus VAT
Help to buy £300 plus VAT
Help to buy ISA £50 plus VAT
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Irwin Mitchell Conveyancing

  • Offices across the UK
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What Happens Next?

A member of our Conveyancing Team will check your details and send you a Purchase Pack within 3 working days.

Selling your property?

We can also provide an quote for buying a property We can also provide an quote for selling your property

Your Quote

If you are buying a property valued over £500,000, please get in touch with our Conveyancing team directly on 0114 2744551 for a personalised quote.

Remortgaging - More Information
    • Why Use A Solicitor For My Remortgage Conveyancing?
    • When you remortgage, your new lender will require you to instruct a solicitor to look after the legal work involved (called conveyancing).

      When a solicitor does the remortgage conveyancing they are acting for both:

      • You – a solicitor will perform certain legal searches which may pick up things you are liable for
      • Your new mortgage lender – to make sure that your property is good security for the mortgage loan.

      If you’re remortgaging your home, our solicitors would love to hear from you. Call us on 0330 123 0068 or fill in our contact form and we’ll call you back.

    • What Does Conveyancing Cost?
    • The cost of conveyancing for buying, selling, or remortgaging a property can include:

      • Conveyancer's fees plus VAT
      • Search expenses
      • Freeholder fees
      • Land Registry fees

      The exact fees you have to pay depend on the specifics of your transaction.

      Our Conveyancing Calculator will give you an instant conveyancing costs quote for properties worth up to £500,000. It will calculate our legal fees and estimate the Land Registry Fees and Search Fees for your transaction.

      Use our Conveyancing Fees Calculator today to work out how much your transaction will cost. For properties valued above £500,000, please call 0370 1500 100 or contact us online.

      You’ll also have to pay Stamp Duty Land Tax (SDLT) on certain property transactions. Learn more in our Stamp Duty Guide.

    • How Long Does Conveyancing Take?
    • Every transaction is different and each can take a different amount of time. The average time period is between 6-12 weeks depending on the speed of searches and mortgage offers, the other parties in the chain, the complexity of the transaction and more.

      We understand how important it is to resolve property matters quickly, especially when your family home is concerned. Our expert property solicitors will always endeavour to complete your transaction as quickly as possible. With a full service available via post, phone and email, you can take care of everything when it's convenient for you.

      See our Conveyancing Guide to find out more about how long the conveyancing process.

    • Why Should I Choose Irwin Mitchell To Help Me Remortgage?
    • We are one of the UK’s leading law firms and are regularly recognised in the legal directories as such. The lawyers who make up our conveyancing and property team are accredited and experienced experts who will make sure that you receive an efficient and reliable service.

      With a clear and competitive fee structure and the promise that we’ll do everything we can to take the stress and hassle out of remortgaging, you can be sure that you’ll be in safe hands.

      To find out how we can help, please call us on 0330 123 0068 or fill in our contact form and we’ll call you back.

The whole team was pleasant and professional at all times. We recommend them without reservation."

Mr & Mrs Parkes, Clients
Mr & Mrs Parkes

Frequently Asked Questions

What's The Conveyancing Process For Remortgaging?

1. Get an online quote
The first stage is to get an online quote for your remortgage conveyancing, if you’re happy with this then you can instruct us online to deal with your remortgage.

2. Acknowledgement of service
We will send you a letter acknowledging your instruction, together with our terms of business.

3. Complete questionnaire
We will send you a questionnaire and paperwork for you to complete, this will include letting us know about your current buildings insurance and supplying ID documents.

4. Contacting your current lender
We’ll contact your current mortgage lender to get an initial redemption statement (which tells us how much it would cost to pay off the mortgage), as well as any property deeds they might have.

5. Mortgage offer
Once we receive the mortgage offer from your new lender we will review this and send the mortgage deed for you to sign. The mortgage deed is the contract between you and your new mortgage lender.

6. Checking the title deeds of your property
The title is the legal document that shows the rights of ownership of your property, if there are any mortgages or loans secured on it, as well as any rights and restrictions (known as “burdens”) on it. We’ll check this thoroughly and have to inform your new mortgage lender if we find something they need to know about. We would always let you know first if this is the case.

7. Performing searches
We may need to carry out searches (such as water and drainage, environmental and local authority searches), if your new lender insists as a condition of your mortgage. Alternatively we can obtain search insurance if your lender accepts this.

8. Ensure conditions of the new mortgage are met
When your lender makes you a mortgage offer, this will be on the understanding that their lending conditions are met. It’s our job to confirm to the lender that their conditions have been satisfied.

9. Request an updated redemption statement
As it may have taken a few weeks since we first contacted your lender, we will request an updated statement that tells us what it will cost to repay your current mortgage.

10. Agree a completion date
We will agree the date we are working to complete your remortgage on. Then we will let your new lender know and request the funds from the new mortgage to be sent on the date of completion.

11. Completion
On the day of completion we receive the money from your new lender, ensure that your current mortgage is repaid, and then pay any remaining money to you.

12. Registering your new lender on the property title
We will ensure that your old lender is removed from your title deed, and that your new lender’s charge is registered on it (a “charge” is a legal claim on a property). Once this has been updated we will send you a copy of your updated title deeds.

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How Long Does It Take?

Remortgages generally take between four and eight weeks to complete.

There’s often a lot of paperwork to complete, so one of the main ways you can help is to complete and return any documents as soon as you can.

Our remortgage solicitors aim to take the stress out of the conveyancing process by giving you regular updates over the phone, email or text message. We’ll work hard to try and hit your target completion date, and pride ourselves on providing our clients with a prompt and reliable service.

To find out how we can help, please call us on 0330 123 0068 or fill in our contact form and we’ll call you back.

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What Remortgage Conveyancing Fees Do you Need To Pay?

  • Legal fees – this is for the legal work (conveyancing). We offer a fixed fee remortgage conveyancing service – you can get a free online quote here
  • Land Registry fee – when you change mortgage lender the records held by the Land Registry need to be updated.
  • Search fees – these may apply to cover the cost of Local Authority, Drainage and Water, Coal Authority and Environmental searches if required by your new lender. Alternatively a search insurance policy might be required instead. Find out more about fees in our Conveyancing Searches guide.

Our Conveyancing Fees Calculator provides an estimate of the legal, land registry and search fees you are likely to pay. To get a free online quote, all you need to do is type in your remortgage amount.

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Awards & Accreditations

We're always proud to be recognised for the work we do for our clients and have been named as a leading firm in the latest legal guides - which provide information and recommendations about lawyers and law firms in the UK.

Private Client Team of the Year - Legal Business Awards 2018 chambers-2019 legal-500-2019 chambers-high-net-worth-firm-2018-logo eprivateclient Top Law Firms 2017

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