Remortgage Conveyancing: A Complete Guide to Quotes, Costs & Process

Remortgage Conveyancing

Remortgaging your property can be a strategic move to lower interest rates, release equity, or consolidate debt. However, it’s crucial to understand the legal process and associated costs before proceeding. A remortgage conveyancing quote provides clarity on legal fees, disbursements, and potential additional costs, ensuring transparency before you commit.

In this guide, we explore the essential aspects of remortgage conveyancing, including costs, timescales, and why hiring an experienced solicitor is essential.

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What Should Be Included in a Remortgage Conveyancing Quote?

Remortgage conveyancing is the legal process of transferring a mortgage from one lender to another or renegotiating the terms of an existing mortgage. A solicitor handles the transfer of mortgage funds and ensures that the legal requirements are met.

A conveyancing quote should outline the breakdown of legal costs involved in the process, helping you budget effectively.

What are the benefits of a Transfer of Equity?

1. Legal Fees

The solicitor’s professional fee for handling the legal aspects of the remortgage. These fees vary depending on the complexity of the case and the solicitor’s expertise.

5. Additional Third-Party Costs

Certain lenders require additional services such as indemnity insurance or further searches, which should be included in the quote.

2. Disbursements

Disbursements are payments made to third parties on your behalf. These typically include:

Land Registry Fees – Required to register the new mortgage.
Search Fees – Some lenders require property searches to assess legal risks.
Bank Transfer Fees – Covers the cost of transferring funds to your new lender.

6. Estimated Timescales

A good quote provides an estimated timeframe for completion. Remortgaging usually takes 2 to 4 weeks, depending on lender requirements and legal complexities.

3. Stamp Duty Land Tax (SDLT)

While SDLT is not usually applicable in remortgages, it may be required if transaction also invoice transfer of equity

7. Communication & Service Guarantees

Your solicitor should outline how they will keep you updated throughout the remortgage process.

4. VAT (Value Added Tax)

Legal fees and some disbursements are subject to VAT, which should be clearly stated in your quote.

8. Additional Costs

Additional services, such as drafting trustee agreements to allocate equity held by each party in a property, may incur an additional fee. This includes costs related to adding trustees and severing a joint tenancy.

Remortgage Conveyancing Costs: Breakdown of Fees

Legal Fees

Standard Remortgage Legal Fee: £550.00 +VAT

Additional Fees (If Applicable)

Telegraphic Transfer Fee: £30.00 +VAT
Limited Company Remortgage Fee: £275.00 +VAT

Disbursements

No Search Indemnity (est.): £20.00
Infotrack – Source of Funds Check: £9.60
Land Registry OS1 Search: £8.80
Bankruptcy Search: £7.80
Land Registry Plan: £8.80
ECOS – Electronic Onboarding: £14.40
AML Fraud Prevention Check: £41.40
Official Copy Register: £8.80
MRO1 – Companies House Registration: £21.00
AML Fraud Prevention Company Check: £41.94
Land Registry Fee: £45.00 (dependent on loan amount)

For a personalised quote, contact our highly qualified and experienced Remortgage Solicitors today.

Conveyancing Solicitors for Remortgaging

When remortgaging, you need a solicitor approved by your lender. Starck Uberoi Solicitors is on the conveyancing panels for major UK lenders, including:

Barclays
Halifax
HSBC
Nationwide
NatWest
Santander

For a full list, visit our Mortgage Lender Panels page.

Limited Company Remortgage

We specialise in limited company remortgaging and work with lenders such as:

State Bank of India
Kensington Mortgages
MOLO
The Mortgage Lender
Foundation Home Loans
CHL Mortgages
Hampshire Trust Bank
Aldermore
Paragon
Skipton Building Society

Our limited company remortgage fee is £240.00 +VAT. For expert legal guidance, contact our highly qualified and experienced Remortgage Solicitors today.

Instant Conveyancing Quote

At Starck Uberoi we are committed to providing you with efficient and clear legal advice. We understand that finding a reliable conveyancer can be a time consuming and difficult task; to make it easier for you, we provide a free, online conveyancing quote calculator to save you time on your search.

Get Quote

Why Choose Starck Uberoi Solicitors?

Trusted & Accredited Solicitors

Our Conveyancing team is CQS-accredited, ensuring top-quality legal services. We are approved by all major lenders and act for remortgage or purchase.

Experienced Leadership

Led by Raminder Singh Uberoi and Regina Bannigan, with over 40 years of experience in property law.

Convenient Locations

We operate from Brentford, Ealing, London Belgravia and Canterbury making legal services easily accessible.

Instant Online Conveyancing Quotes

Use our Online Conveyancing Quote Generator for a detailed breakdown of costs with just a few clicks.

Remortgage Conveyancing FAQ’s

How long does a remortgage take?
A remortgage typically takes 2 to 4 weeks, depending on lender requirements and legal complexities.
Do I need a solicitor to remortgage with the same lender?
You do not always need a solicitor if you are securing a product transfer with the same lender. However, if you are switching lenders, a solicitor is required
Can you recommend a mortgage broker?
Yes, we work with many excellent mortgage brokers who can assist you in finding the best mortgage options tailored to your needs. Let us know your requirements, and we’ll be happy to connect you with a trusted professional.
Why should I remortgage my property?
Common reasons include:
- Securing a better interest rate
- Releasing equity from your property
- Consolidating debts
For expert legal advice, contact Starck Uberoi Solicitors today.

Book a Consultation with Our Expert Solicitors

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Remortgage Conveyancing Solicitors

Our Testimonials

What our clients say

    
 
 
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   duale essa 
 
 
 
 Trustindex verifies that the original source of the review is Google. Dinah and Saneh were Amazing and very professional guiding us in every aspects being our first house they walked us through each step i will definitely recommend my friends and family to Starck Uberoi Solicitors in the future.
  
 
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   Wendy Jones 
 
 
 
 Trustindex verifies that the original source of the review is Google. A delightful, consummate professional, Regina made a very stressful purchase both more bearable and achievable.  Highly recommended by me.
  
 
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   Sam Haslam 
 
 
 
 Trustindex verifies that the original source of the review is Google. I have worked with Starck Uberoi on a number of occasions now and I am always looked after.
Gulben Uzum has been incredible for me and the firm really takes good care of all of my business.
  
 
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   Sonjeev Singh 
 
 
 
 Trustindex verifies that the original source of the review is Google. I highly recommend Starck Uberoi Solicitors, particularly Mehek Arora and Raminder Singh Uberoi, for their exceptional service throughout our conveyancing process. The team was efficient, professional and proactive from start to finish, ensuring that everything ran smoothly and well ahead of schedule.

Mehek’s dedication was evident as she ensured we completed before the SDLT increase, handling the process with great attention to detail and making it all seamless. She was always quick to respond to our questions and provided clear explanations, turning what could have been a stressful experience into something much easier to manage.

A big thank you to Raminder Singh Uberoi as well for his expertise and ongoing support. Thanks to their hard work, we completed without any issues. If you need a reliable and responsive conveyancing team, Starck Uberoi Solicitors – and Mehek and Raminder in particular – are the ones to choose!
  
 
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   David Beckett 
 
 
 
 Trustindex verifies that the original source of the review is Google. Regina working on both our sale and purchase and I can highly recommend. I actually recommended Regina to a close friend already. The sale was slow and complex but Regina kept things moving and was always on the end of a call/email to answer questions. The purchase was more straight forward and Regina was equally responsive. Completion day went so smoothly, and constantly kept up to date as to how the money was moving and key collection. I would use Regina again.
  
 
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   Miranda Jones 
 
 
 
 Trustindex verifies that the original source of the review is Google. Regina was fantastic!  Efficient, prompt and always available.  I was very impressed with her professionalism, and her desire to get the job done, not something usual with conveyancing!  I'd highly recommend her and Starck Uberoi.
  
 
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   Ella Sinton 
 
 
 
 Trustindex verifies that the original source of the review is Google. We have just used Regina on both our sale and purchase. Our sale has been a challenge, with a change of buyer in the middle, and she has been amazing from start to finish getting both across the line. We can not thank you enough for all your hard work, we 100% recommend!
  
 
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   Ash D 
 
 
 
 Trustindex verifies that the original source of the review is Google. They took all my original documents even before reviewing my case and then rejected my case and now there is a possibility they will use my documents for some scam. !!?!!?