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Remortgage Solicitors in Stockport & Manchester
Our Remortgage Conveyancing Solicitors provide expert legal advice for homeowners looking to refinance their property. If you’re refinancing to secure a better deal, change lenders or release equity, we provide the legal support needed to complete the process smoothly. Our team ensures your remortgage is handled promptly and with the attention it deserves.
With over 30 years of experience in Residential Property Law, Clifford Johnston & Co. is a trusted name in conveyancing across Stockport, Manchester, and the wider North West. We are regularly instructed by clients who value our straightforward advice, practical knowledge of the mortgage market, and reputation for outstanding service.
Remortgaging may seem simpler than buying or selling a home, but delays or errors can still result in financial consequences. Our Remortgaging Solicitors take a proactive approach to ensure all checks, lender requirements, and registrations are handled efficiently and without disruption to your plans.
As Law Society Conveyancing Quality Scheme (CQS) accredited solicitors, our work is recognised for its quality, client care, and legal rigour. We offer clear legal advice, competitive fees, and regular communication throughout your remortgage, so you’re never left in the dark.
If you need experienced and dependable Solicitors for Remortgaging in Manchester or Stockport, contact Clifford Johnston & Co. today for advice you can trust and service you can rely on.
How can our Remortgage Solicitors Help?
By engaging specialist remortgaging solicitors, you benefit from professional oversight that minimises risks and avoids delays. You gain peace of mind knowing someone is handling the legal detail, protecting your interests and ensuring compliance with lender and regulatory requirements. Expert conveyancing can also speed up the remortgage process, avoid common pitfalls (such as title issues, incorrect paperwork or missed deadlines), and ensure funds are correctly transferred. With Clifford Johnston & Co, you benefit from our deep understanding of regional practices, our commitment to client care, and our experience in achieving efficient, hassle‑free remortgages.
We provide a reliable and responsive remortgage service tailored to your individual circumstances. With over 30 years of experience in Residential Property Law, we manage the process efficiently and ensure that your remortgage complies fully with lender requirements and legal regulations. From instruction through to registration, you will be informed, protected, and supported by a legal team that puts your interests first.
Here is how our Remortgage Solicitors can assist:
- Provide expert legal advice for remortgaging with a new lender or your existing one
- Review your mortgage offer and explain its legal implications clearly
- Carry out title checks and address any restrictions or legal charges affecting your property
- Apply for relevant searches or arrange indemnity policies as required by your lender
- Liaise directly with your mortgage lender and their surveyors or valuers
- Redeem your existing mortgage and manage the safe transfer of funds
- Prepare and submit the Certificate of Title and request funds from your new lender
- Complete the transaction and register your new mortgage with HM Land Registry
We understand that timing is key and accuracy is vital. When you instruct Clifford Johnston & Co., you will benefit from clear communication, honest legal advice, and a smooth remortgage process from start to finish.
The Remortgage Process
At Clifford Johnston & Co., our remortgage solicitors are here to guide you through the entire process with clarity, efficiency, and care. We will protect your interests at every stage, if you choose to switch to a new lender or stay with your current provider.
Review of Your Current Mortgage
If you’re contributing personal funds towards your mortgage redemption, we are required to assess the source of those funds. This may include bank statements, pension summaries, or documents from the sale of another property. We’ll advise you on the specific evidence we need.
Checking the Title Deeds
We obtain and review the Official Copies from the Land Registry to confirm legal ownership and identify any legal charges, such as loans secured against the property. If a second charge remains after completion, we may need to negotiate a deed of postponement with the second charge holder. For leasehold properties, we also check that your lease meets the lender’s requirements.
Reviewing the Remortgage Offer
We analyse the formal mortgage offer from your lender. This outlines the legal steps we must take to satisfy the lender’s conditions. We ensure you are fully aware of your obligations under the new agreement.
Requesting Your Redemption Statement
We contact your current lender to obtain a Redemption Statement, which confirms the exact amount required to settle your existing mortgage on the day of completion.
Property Searches
We conduct the searches required by your new lender. In many cases, this includes a Local Authority Search. However, where appropriate, we may arrange a search indemnity insurance policy instead — often a quicker and more cost-effective option. We’ll guide you through the choices and implications.
Pre-Completion Legal Checks
As part of the final pre-completion stage, we conduct an OS1 (Official Search with Priority) to ensure the title cannot be altered before completion. This prevents any last-minute charges or claims from interfering with the transaction.
Bankruptcy Checks
We carry out bankruptcy checks on all parties named on the title deeds to satisfy your lender that the borrowers are not subject to any insolvency restrictions.
Certificate of Title
Once all legal checks and searches are complete, we submit a Certificate of Title to your lender. This confirms that we are satisfied with the legal status of the property and request that the mortgage funds are released.
Completion
Before completion, we provide you with a full financial statement detailing any outstanding balance or surplus funds. This includes a breakdown of legal fees, Land Registry charges, search costs, and bankruptcy checks.
On the day of completion, we receive your new mortgage funds, redeem your existing mortgage, settle any related costs, and transfer any surplus funds to you.
Post-Completion Registration
Finally, we register your new mortgage with the Land Registry. This step formalises the change and ensures your new lender’s interest is properly recorded. While freehold registrations are typically straightforward, leasehold registrations may take longer to process. We will keep you informed until the process is complete.
This comprehensive service is designed to eliminate stress, ensure full compliance with legal obligations, and protect your financial interests. At every stage, you can expect timely updates, practical advice, and personal service from our experienced remortgage solicitors in Manchester and Stockport.
Reasons Homeowners Choose to Remortgage
Remortgaging is a common step for many homeowners looking to make their mortgage work harder for them. In some cases, it’s about securing a better rate—particularly if your current deal is coming to an end and you’re keen to avoid being moved onto a lender’s standard variable rate. Others may be motivated by the opportunity to fix their payments for greater certainty over household budgeting.
For many, remortgaging is a way to unlock capital that can be used to fund renovations, assist with family expenses, or consolidate debts under a single, more manageable repayment plan. Changes in personal or financial circumstances—such as a new job, growing family, or separation—can also prompt a reassessment of your mortgage arrangements.
Whatever the reason, remortgaging can be a strategic decision to improve your financial position or gain flexibility for the future. But the benefits are only fully realised when the legal process is handled properly. With the right conveyancing support, your remortgage can proceed without unnecessary delay or complication, protecting your interests at every stage.
Frequently Asked Questions for Remortgaging
What is a remortgage?
A remortgage is the process of replacing your existing mortgage with a new one, either with the same lender or a different lender, often to secure more favourable terms, release equity, or consolidate debts.
Why remortgage?
Homeowners remortgage to access a lower interest rate, obtain a more stable fixed rate, release equity in their property, consolidate existing loans or debts, or prepare for a change in financial circumstances.
How long does a remortgage take?
The typical remortgage process takes a few weeks, though the exact timeframe depends on factors such as lender conditions, property value, whether additional valuations or searches are required, and how quickly documentation is returned.
Why do I need a conveyancer for a remortgage?
A qualified conveyancer or solicitor ensures that all legal checks are completed correctly — title verification, Land Registry submission, lender compliance, and that funds are transferred safely and legally. This protects your interests and ensures the remortgage is properly recorded.
Do I need a solicitor to remortgage with the same lender?
Yes. Even when staying with the same lender, a remortgage still involves a change of mortgage terms and requires legal oversight, documentation and registration with the Land Registry, which a solicitor handles.
Do I need a solicitor to remortgage with a different lender?
Yes. Switching to a different lender triggers the full remortgage process, including legal checks, contractual review and registration, all of which require a conveyancer or solicitor.
Is Equity Release the same as remortgaging?
No. While both involve using the value of your property, remortgaging replaces your existing mortgage with a new one (often with better terms). Equity release is a different financial product that allows homeowners, typically older borrowers, to release part of their home’s value as cash, often with different interest structures and long‑term implications.
Contact our Remortgage Solicitors
At Clifford Johnston & Co., we understand that remortgaging your home is an important financial decision. That’s why our experienced Residential Property Solicitors are committed to delivering clear advice, responsive support, and efficient service at every stage of the process.
With offices in Manchester and Stockport, we are ideally placed to assist clients across Greater Manchester, Cheshire, and the wider North West. Whether you’re remortgaging a flat in Chorlton, switching lenders in Bramhall, or releasing equity from a property in Hale, our local knowledge and legal expertise ensure your transaction is handled with care and precision.
We offer fixed-fee remortgage conveyancing wherever possible and are always transparent about costs, timescales, and what to expect.
Call us today to speak directly with a member of our Conveyancing Team, or complete our online enquiry form for a free, no-obligation quote.
Need some professional advice?
Do you have any issues that you are worried about? Contact our professional team for a free, no-obligation informal discussion, where we can discuss your particular requirements in greater detail.