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Remortgaging

Are you considering remortgaging your home or buy-to-let property? Our experienced conveyancing team can guide you through the process.

At Winston Solicitors, our seasoned remortgage solicitors and conveyancing team have helped thousands of people remortgage, and aim to make the conveyancing process as simple and stress-free as possible.

We are dedicated to guiding you through the remortgage process with ease and efficiency.

Why choose us for your remortgage?

Tailored Legal Solutions: Whether you're remortgaging for a better deal, raising extra funds, or due to changing personal circumstances, our team has the expertise to support your specific needs.

Efficient and Stress-Free Experience: We aim to simplify the remortgaging process, minimising stress and avoiding legal jargon, while ensuring we work within your time frames.

Comprehensive Service: Our services include:

  • In-depth property valuation
  • Negotiating terms with new lenders
  • Legal documentation and compliance
  • Regular updates via your preferred communication method

Transparent and Fixed Fees: Say goodbye to hidden costs. We offer a clear, upfront fee structure, ensuring you're fully informed about the costs involved.

Experienced Professionals: Our conveyancing solicitors are highly experienced in handling a diverse range of remortgaging cases, ensuring a smooth and successful transaction.

Ready to remortgage?

Get started today with Winston Solicitors. Contact us for a personalised consultation and learn how we can facilitate your remortgaging process. For a quote, call us at 0113 320 5000, or fill in our online contact form and we’ll get back to you promptly.

Winston Solicitors – Making Your Remortgage Journey Seamless and Secure.

The conveyancing team at Winston Solicitors can act for you if you wish to mortgage or remortgage your property. Our remortgaging solicitors will prepare you in a number of ways should you decide to mortgage or remortgage your property, including:

  • Doing your homework for mortgage deals 

Ask your friends or colleagues to recommend a mortgage broker or financial advisor, or you can contact the bank or building society directly. When you speak to the lender or broker they should discuss the affordable options with you and help you choose the best mortgage to suit you. Your chosen lender may give you a decision in principle or a certificate confirming the amount that it is prepared to lend you. A decision in principle is not a firm mortgage offer. A firm mortgage offer will only be issued when the lender’s valuer has valued the property and is satisfied.

  • Obtaining your existing mortgage account number

This will be on your last annual statement. Your conveyancer will need this to obtain a redemption figure and ensure that the existing mortgage is repaid on completion of the new mortgage

  • Assembling leasehold information (if applicable)

If your property is leasehold, your conveyancer will need the name, address, email address and reference of the freeholder and management company or managing agent. Your conveyancer will need to provide details of the new mortgage to the freeholder and management company/managing agent on completion. The freeholder and management company/managing agent will charge a fee for accepting this information.

Your conveyancer will also need a copy of the insurance schedule and evidence that all ground rent, service charge and insurance payments are up to date, together with confirmation that the provisions of the lease have been complied with. The freeholder and management company/managing agent will charge a fee for providing this information/confirmation, and will often insist on supplying a full management pack even if the property is not changing hands.
Please note that leasehold mortgages involve extra work. Your conveyancer will charge an extra leasehold supplement to reflect this.

A Deed of Covenant, in which the new owner promises to adhere to the terms of the lease, may be required. The freeholder and management company/managing agent will charge an additional fee for this and for providing any certificate needed by HM Land Registry.
Any share will need to be transferred to the new owner. The management company/managing agent may charge an additional fee for issuing the new share certificate.

If you have carried out any work to the property, you will need to pass all planning permissions, building regulation completion certificates, covenant consents, FENSA certificates, Gas Safe certificates, electrical documentation and other relevant documentation to your conveyancer. If you cannot find these documents, you may have to pay for duplicates or indemnity insurance. 
Copies of the searches carried out when you bought the property may also be useful.

Try to budget for all the costs and fees relating to your remortgage. The costs and fees will include: 

  • the mortgage repayment (including any early repayment charge)
  • any fees payable for management packs
  • other fees payable to freeholders and management companies/managing agents
  • costs of obtaining duplicate documents
  • indemnity insurance premiums
  • conveyancing fees (including search fees or “no search” indemnity insurance).

Speak to family, friends and colleagues, to see if they can recommend a good conveyancer
You need to have confidence in your conveyancer. A good conveyancer will ensure that your remortgage process goes as smoothly as possible. The process will involve form filling, information gathering, telephone calls and emails.

You will be speaking to your conveyancer a lot during the process. Your conveyancer will be able to reassure you and address any concerns that you have.

Ask for a no-obligation remortgaging quote when you speak to our conveyancing team on 0113 320 5000 or email conveyancing@winstonsolicitors.co.uk

  1. Our remortgaging solicitors recommend that you make sure you’re remortgaging for the right reasons and you can afford the repayments
  2. Research your new mortgage, you can move to a different lender to have the best product that suits you.
  3. Gather all the necessary documents including account details, leasehold information (if applicable), planning permission, certificates etc
  4. Be realistic with the costs and fees associated with a remortgage
  5. Advance warning: there will be lots of communication plus information required therefore choose a recommended conveyancer for a smooth transaction. 

You can see what other services we offer at our Leeds solicitors here.

Remortgaging solicitors handle the legal aspects of transferring your mortgage to a new lender or renegotiating terms with your current lender. They review property documents, liaise with lenders, and ensure that all legal requirements are met to successfully complete the remortgage process.

Client feedback

I would definitely highly recommend the efficiency & good communication thry have & have had several properties successfully completed with
Mr H
Excellent local solicitors would recommend. You can call in the office car parking available and receptionists very helpful if you need help. Dealt with them before, excellent.
Ian
Winston Solicitors was recommended to me, as this was my first time buying a house and didn’t know what to expect. They made the process very easy and I did not have to worry about any of the process as I got to track it every step of the way. Samantha also kept me updated and any queries were replied to promptly. I will definitely be using again in the future and recommend everyone I know.
Mr Michel
I can’t speak highly enough of Sidraa at Winston Solicitors for her exceptional support throughout my house purchase. From start to finish, she has been absolutely brilliant. Her prompt responses, attention to detail, and professionalism made a stressful process feel manageable and smooth. This is actually the second time I’ve used Winston Solicitors, and once again, they have been great. Consistent, reliable, and professional and Sidraa in particular truly went above and beyond. She was always kind, polite, and incredibly approachable, nothing ever felt like too much trouble. Even when dealing with a particularly difficult chain and the added pressure of a new stamp duty deadline, she worked tirelessly to get everything done on time. She responded to queries even out of hours, always called back when she said she would, and genuinely made me feel like a priority. What really stood out to me was her dedication — despite having preplanned annual leave for Eid, she still tried to keep things moving, which shows how committed she is to her clients. Her communication was clear and consistent, and she made a complex process feel a lot less daunting. I felt fully supported and in safe hands throughout. If you're looking for a solicitor who is professional, caring, and truly exceptional at what she does, Sidraa at Winston Solicitors is the one to go to. I’m incredibly grateful for everything she did and wouldn’t hesitate to work with her again or recommend her to others. - April 2025
I Younas, Leeds
I would really like to thank both Amr and his assistant Joe. Throughout the whole process they kept me informed, nothing was ever too much. I am a first time buyer, this was a very stressful time but both members of staff made me feel at ease that it would get sorted. Thank you so much both!
Y Hinton, Leeds
Leasa and Julie were fantastic at helping us buy and sell our house. They were punctual, and kept us up to date with what was going on. Their online platform was clear to follow. Leasa's email response time was rapid, this was incredibly valuable. - March 2025
J Salthouse, Leeds
Superb service from a knowledgeable and professional team.The sale of my property was as far from straight forward as you could get, yet they handled everything perfectly. This made the process less stressful as i had the confidence in them to get it sorted!
Amy
2nd time using Winstons. 1st time was for a purchase and 2nd time was for a Sale. Sidra and Tom kept me updated at each stage of the process. We're very prompt in their responses and completed both times in a timely manner. Would highly recommend for conveyancing services
Farhana
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