Re-Mortgaging Your Property
Whether you are switching to a better rate, releasing equity, or restructuring your finances, remortgaging your property is an important financial decision. While it is often more straightforward than a purchase or sale, it still involves legal work that needs to be handled carefully and efficiently.
At JB Property Law, we provide a clear, streamlined and supportive remortgage service, ensuring everything is completed smoothly and with minimal disruption.
A More Personal Approach to Conveyancing
We operate with smaller caseloads than high-volume “factory” firms, which allows us to offer a more responsive and attentive service.
This means:
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Your matter is handled with care and attention to detail
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We can act quickly to meet lender requirements
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You have a consistent point of contact throughout
We also act for many neurodivergent clients and understand that even straightforward transactions can feel complex or overwhelming. We adapt our communication to suit you, including:
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Clear, structured explanations
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Breaking the process into manageable steps
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Providing information in a format that works best for you
Flexible Appointments,
Transparent Fees & A single Point Of Contract
You will have a dedicated, named lawyer handling your re-mortgage from start to finish, giving you continuity, accountability and peace of mind throughout the process. Unlike high-volume firms where your matter may be passed between different teams, your lawyer will know your file in detail and be there to guide you at every stage.
We believe communication should be straightforward and accessible. You will be provided with your lawyer’s direct dial, mobile number (with the option to communicate via text or WhatsApp) and email address, so you can get in touch in a way that works best for you. Whether you have a quick question or need more detailed guidance, we are easy to reach and responsive when you need us.
We also understand that life doesn’t always fit into standard office hours. That’s why we offer bespoke appointment times, including out-of-hours where needed, so you can speak to us at a time that suits you.
Our service is built on transparency and clarity. We offer clear, fixed fees with no hidden surprises, along with straightforward explanations of costs from the outset, so you always know where you stand.
What Does Re-Mortgaging Involve?
Remortgaging is the process of replacing your existing mortgage with a new one, either with your current lender or a new lender. The legal process typically includes:
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Instruction & Initial Checks
We open your file, carry out identity checks and review your current title. -
Reviewing Your New Mortgage Offer
We ensure the terms of your new mortgage are correct and that all lender requirements are met. -
Title Checks & Searches (if required)
We confirm there are no legal issues affecting the property. -
Redeeming Your Existing Mortgage
We obtain a redemption statement and arrange repayment of your current loan. -
Completion of the New Mortgage
The new mortgage funds are received, the existing mortgage is repaid and the new lender is registered. -
Registration
We update HM Land Registry to reflect your new lender.
Timescales – What to Expect
Remortgages are often quicker than purchases or sales, with a typical timescale of around 2–6 weeks, depending on the circumstances.
Factors that can affect timescales include:
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How quickly your mortgage offer is issued
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Whether the lender requires searches or additional checks
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The speed of obtaining a redemption statement from your current lender
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Any title issues or additional requirements identified
Some remortgages can complete very quickly, particularly where no searches are required, while others may take slightly longer.
Our focus is to progress matters efficiently, meet your lender’s requirements promptly and keep you updated throughout. We will always provide realistic expectations and ensure you know what to expect at each stage.