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    Do I need a solicitor when I remortgage?

    You do not always need a solicitor if you remortgage.

     If you’re just obtaining a further advance (i.e. borrowing additional money on your existing mortgage with your existing lender) then there are no legal charges for this, only charges associated with increasing the loan and repayments.

    If you remain with your current lender and simply move to a new rate, this is called a product transfer and requires no additional legal work.

    Otherwise a remortgage will require you to have a solicitor or conveyancer to assist with the legal work.

    Most lenders will include a free legal package in their remortgage deals but check that this is actually free! If your new lender’s legal package isn’t free enquire to see if you can shop around and appoint your own solicitor or conveyancer.

    If you are adding or removing someone to or from your existing mortgage then you will need to appoint a solicitor as you are changing the ownership of the property. This is also known as a transfer of equity. You will need a solicitor to amend the title deeds for you and help draw up paperwork specifying who will own the property.


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    539-543 London Road, Westcliff-on-Sea
    Essex, SS0 9LJ

    Email: info@affinity-mortgages.co.uk

    Tel: 01702 337 003

    Affinity Mortgages Ltd is authorised and regulated by the Financial Conduct Authority FCA No. 598756.
    Registered in England no: 7992688 with address: 539-543 London Road, Westcliff-on-Sea, Essex, SS0 9LJ.

    Some types of finance such as bridging, development, commercial and buy to let mortgages may not be regulated by the Financial Conduct Authority.

    Fees may be payable for advice and/or arrangement of your mortgage.

    As a mortgage is secured against your home or property, it could be repossessed if you do not keep up the repayments on it or any other loan secured against it. Think carefully before securing other debts against your home.

    Will writing and Estate planning is not regulated by the FCA.

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    This site is only directed at persons within the UK. Calls may be recorded for training and monitoring.