Switching your mortgage lender requires a conveyancing solicitor to handle the legal transfer. It's a simpler, faster process than buying — and often much cheaper. Compare regulated solicitors for your remortgage.
Your solicitor checks the title register at the Land Registry to confirm ownership and any charges on the property — ensuring everything is in order for the new lender.
Your solicitor receives instructions from your new mortgage lender, confirms the mortgage offer conditions, and prepares the necessary legal transfer documents.
On completion, the new lender releases the mortgage funds. Your solicitor pays off the existing mortgage and registers the new charge at the Land Registry.
💡 Some lenders offer free conveyancing as part of their remortgage package — but these solicitors act for the lender, not you. If you prefer your own independent representation, compare and appoint your own solicitor for additional peace of mind.
| Property Type | Solicitor Fee | Disbursements | Total (est.) |
|---|---|---|---|
| Freehold house (standard remortgage) | £400 – £650 | £80 – £200 | £480 – £850 |
| Leasehold flat (standard remortgage) | £500 – £750 | £100 – £250 | £600 – £1,000 |
| Remortgage + equity release | £600 – £900 | £100 – £250 | £700 – £1,150 |
| Remortgage + transfer of equity | £700 – £1,100 | £150 – £350 | £850 – £1,450 |