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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 am incredibly grateful and impressed to Jeremy Conway for his exceptional support. He was very responsive to my queries and always explained the legal process clearly. I am very happy with the service Winston Solicitors provided and definitely recommend. - July 2025
Francis K, Leeds
Michelle Ayres was absolutely brilliant from initial quotation to final completion of my house sale. She always got back to me promptly, addressed all my concerns and made selling my house really straightforward. I really liked the sales process online portal you provide too. Im very impressed with Winston Solicitors and will highly recommend in future. - July 2025
Alexander H, Leeds
Both Sidraa and Tom have been extremely helpful throughout this whole process. We both feel that we have been very well informed over the course of this process. We also appreciate the support we have had regarding any queries. - June
J Sharmin, Leeds
Absolutely fantastic, kept us informed every step of the way when purchasing our home
Marie
We are so grateful to Sidraa for all her support during our recent property purchase. She kept us informed and up to date every step of the way, always responding promptly and sharing information clearly and in a timely manner.Sidraa worked incredibly hard behind the scenes, handling so much of the legal side with care and efficiency — often without us even realising just how much she was doing. Her dedication and thoroughness made the whole process feel smooth and stress-free, which we deeply appreciate.Thanks to her professionalism and attention to detail, what is usually a complex and sometimes overwhelming process felt straightforward and well-managed. We couldn’t have asked for a better solicitor and wouldn’t hesitate to recommend Sidraa to anyone buying a property.
Sahid
I would highly recommend Winston Solicitors to anyone in need of reliable legal support. Sidraa was outstanding throughout our entire process—reliable, diligent, informative, and genuinely kind. She kept us consistently updated, always took the time to explain things clearly, and was readily available to speak with us directly whenever we had questions. Her professionalism and personal touch made a potentially stressful process feel smooth and manageable.
Jacob C
Great service by Winston Solicitors - was communicated at every step - would recommend both Tom and Sidraa for their professionalism
Anonymous
Excellent
Anna L
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