• Thank you for all your help and advice. I would recommend you to anyone needing a good solicitor
  • Professional and friendly service!
  • Always most helpful, knowledgeable and understanding. Very pleasant and efficient
  • Thank you very much for all of the work that you have done, delighted with the speed with which matters were concluded

Remortgage Solicitors in Kent

Remortgaging your property today remains popular with attractive Lender offers.  With interest rates today at an all-time low and property values continuing to increase, now could be the ideal time to consider remortgaging to release capital from your home or to pay less each month for the same borrowing.

We act for many clients who want to remortgage to obtain a better interest rate and reduce their monthly repayments. With your monthly mortgage payment often being your single greatest expenditure, cutting this cost can make a huge difference to your finances.

Alternatively, if you wish to raise money for that special purchase, build an extension, or possibly help out a loved one trying to get on the property ladder, re-mortgaging your home is often a quick and easy way of accessing capital. 

At Martin Tolhurst, we will do all we can to ensure that your remortgage transaction is completed as soon as possible.  Provided your mortgage lender is prompt in issuing the mortgage offer and does not have any particularly onerous requirements, then remortgage funds can often be available within weeks. 

With our streamlined processes and online case tracker, you can keep up to date on a daily basis with progress on your remortgage.  You will also have the benefit of direct email or telephone communication with your dedicated conveyancer from the very beginning of the transaction to the very end.

Our remortgaging process is conducted quickly over the telephone, by internet and by email and with constant backup and advice provided throughout. There will be no need for you to visit our offices unless you wish to do so.

When you use our award-winning conveyancing services for your remortgage, we offer:

  • A fixed costs estimate at the outset so you can budget with certainty.
  • One of our specialist conveyancers to act for you every step of the way, from the opening of your file until completion of your remortgage.
  • A quick, personal service to guide you through the home buying maze.
  • 24/7 case tracking using our on-line tracking tool, so you can instantly see the progress on your case with your unique password and username.
  • Regular updates and advice by email, phone, letter or text.
  • Plain English advice and answers to your questions.

Get an instant remortgage conveyancing quote

Wondering how much your remortgage conveyancing might cost? Use our free online conveyancing calculator now for an instant, no obligation quote.

All you need to do is share a few basic details and there’s no need to provide your email address, phone number or any other contact details.

Speak to our remortgage conveyancers in Kent now

For reliable, efficient remortgage conveyancing in Kent, South East England or throughout the UK, please contact your local Martin Tolhurst office in Gravesend, Longfield, Ashford, Medway or Sittingbourne now.

Alternatively, you can get in touch by emailing newbusiness@martintolhurst.co.uk.

                       

Your remortgage conveyancing questions answered

When can I remortgage?

This will depend on the terms of your existing mortgage. You may have a fixed rate period, during which you cannot remortgage, or you may be allowed to remortgage at any time. We will be happy to review the terms of your mortgage for you and advise you on whether you are eligible for remortgaging and, if not, when you will be so.

Why do I need a solicitor to remortgage?

A solicitor is vital when remortgaging as they will check the terms of the new mortgage for you to make sure those terms match your requirements and don’t contain any hidden surprises. They will also handle the various technical aspects of the remortgage transaction, making it simpler and less stressful for you, while helping to speed up your remortgage.

Specific matters our team can assist with during remortgaging include:

  • Requesting a redemption statement from your current lender (show how much you owe on your existing mortgage plus any early exit fees and other costs you will need to pay to end your mortgage early)
  • Checking your deeds and carrying out all relevant Land Registry searches
  • Reviewing the terms of your mortgage offer
  • Explaining the terms of your mortgage offer in detail but without the use of legal jargon
  • Sending you the Mortgage Deed for you to sign
  • Handling transfer of funds from your new lender to your old lender
  • Updating the lender details with the Land Registry

At Martin Tolhurst, we endeavour to keep things as straightforward as possible and to the point and we believe that this is exactly what our clients are looking for.

Are conveyancing checks needed for remortgaging?

Usually, it will not be necessary for searches (Local, Drainage and Environmental) to be carried out on a remortgage transaction, which will make the process much less expensive to you and will also speed up the formalities. 

The vast majority of lenders do not require such searches but there are, however, a few that will and will not rely upon any separate insurance that may otherwise be available.  If that is the case, then searches will be submitted at the earliest opportunity and the costs will be shown on our completion statement to you.

How long does remortgage conveyancing take?

This will depend on the circumstances, but it typically only takes a matter of weeks as long as your mortgage lender is prompt in issuing the mortgage offer and they do not have any particularly complex or time-consuming requirements that need to be dealt with.

Our aim is quite simple, complete your remortgage transaction as quickly as possible and ensure that the capital which you are obtaining from the remortgage process is available to you at the earliest opportunity, often on the day of completion of the remortgage itself.

Speak to our remortgage solicitors in Kent today

We will provide you with expert legal advice and guidance for every stage of remortgage conveyancing, giving you the simple, reliable and cost-effective service you deserve.

To find out more, please contact your local Martin Tolhurst office in Gravesend, Longfield, Ashford, Medway or Sittingbourne.

Alternatively, you can get in touch by emailing newbusiness@martintolhurst.co.uk.

This article does not seek to offer financial advice. You should always take financial advice from a qualified, regulated financial advisor. Your home is at risk if you not maintain mortgage payments on it. All lenders will secure repayments by way of a registered charge against the property.