Remortgaging solicitors in Devon and Cornwall
Remortgaging can help you secure a better rate, release funds or move to a new lender that better suits your circumstances. While the process may appear straightforward, there are important legal steps that must be handled carefully to ensure everything is completed correctly.
At CWC Solicitors, our remortgaging team support homeowners in Plymouth, Exeter and across Devon and Cornwall and the wider South West. We provide clear advice, efficient communication and a service designed to keep your transaction progressing smoothly from instruction to completion.
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How we can help with your remortgage
Once you instruct us, we manage the legal work required by your new lender and deal directly with them on your behalf. This includes reviewing the mortgage offer, carrying out the necessary checks and preparing the legal documentation.
Our aim is to make the process straightforward and efficient. We respond promptly, keep you updated throughout and ensure any conditions are satisfied so your remortgage can complete without unnecessary delay.
Whether you are switching lenders or arranging a new deal with your existing provider, we focus on protecting your interests at every stage.
The process begins once you receive your formal mortgage offer. We review the terms, confirm the details of your existing mortgage and carry out any required searches or checks.
If funds are being released, we ensure the figures are accurate and that any existing mortgage is redeemed correctly on completion. Once all requirements are met, we arrange completion and confirm when the new mortgage has been registered.
Throughout, we keep communication clear so you understand what is happening and what is required from you.
Why choose
CWC Solicitors?
We understand the property market in Plymouth, Exeter and across Devon and Cornwall and the wider South West. Our remortgaging team combine technical expertise with a responsive and approachable service.
We will explain the process in straightforward terms and keep matters progressing efficiently. Our focus is on clarity, diligence and ensuring your remortgage is completed with care and precision.
Frequently asked questions
Still unsure or need something explained in more detail? Contact us, and we’ll guide you through it.
1. What does remortgaging mean?
Remortgaging involves replacing your current mortgage with a new one, either with your existing lender or a different provider. This is often done to secure a better interest rate, release funds or change the terms of your borrowing.
2. Why might I consider remortgaging?
Homeowners choose to remortgage for different reasons. You may want to reduce monthly payments, fix your rate for a new period or access equity in your property. The right option depends on your financial goals.
3. Do I need a solicitor to remortgage?
Yes. Your new lender will require a solicitor to carry out legal checks, review the mortgage offer and ensure the existing mortgage is repaid correctly. We manage this process on your behalf and liaise directly with the lender.
4. How long does a remortgage usually take?
Most remortgages complete within six to eight weeks, depending on the lender and the circumstances of the property. We act promptly and keep you updated to help avoid unnecessary delay.
5. What costs are involved in remortgaging?
Costs may include legal fees, a lender arrangement fee and, in some cases, a valuation fee. There may also be an early repayment charge from your current lender. We provide clear information so you understand the overall position.
6.Can I release funds when I remortgage?
Yes, if your property has sufficient equity, you may be able to borrow additional funds as part of the new mortgage. We ensure the figures are accurate and that any funds due to you are transferred correctly on completion.
7. What happens to my existing mortgage?
On completion of your remortgage, we use the new mortgage funds to repay your previous lender in full. Once this is done, the previous mortgage is removed from the title and replaced with the new lender’s charge.
8. How do I begin the remortgaging process?
The first step is to secure a mortgage offer from your chosen lender. Once you have this in place, you can instruct us and we will handle the legal process through to completion.
Related services
Equity release
Equity release is a significant financial decision. We provide independent legal guidance, explaining the implications clearly so you can move forward with confidence and peace of mind.
Selling your home
Selling your home requires careful legal handling to keep your move on track. We manage the process with clarity, responsiveness and attention to detail from instruction through to completion.
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If you need help with a remortgage and want clear, practical advice from experienced conveyancing solicitors, we are here to help.