With interest rates fluctuating and fixed-rate deals ending for thousands of UK homeowners, remortgaging is a hot topic in 2025. But while switching to a better deal might seem straightforward, the legal side can be anything but.
That’s why getting independent legal advice isn’t just a smart move, it’s a vital one. Emma Clark, Associate & Senior Property Lawyer at Jackson Lees, explains what you need to know before you sign on the dotted line.
What does a solicitor do when you remortgage?
When you remortgage, your solicitor isn’t just ticking boxes, they’re protecting your interests. They’ll:
- Review your new mortgage offer to ensure the terms are fair and transparent.
- Check for early repayment charges or hidden fees in your current mortgage.
- Ensure all lender requirements are met, including property checks and title conditions.
- Update the Land Registry with your new mortgage details.
If you’re switching lenders, changing ownership, or releasing equity, legal advice becomes even more essential.
Do I need legal advice if I’m staying with the same lender?
If you’re doing a product transfer (staying with your current lender but switching to a new rate), legal advice may not be required.
If you’re moving to a new lender or making changes to the mortgage title, like adding or removing someone, you’ll need a solicitor to handle the legal work.
Why is independent legal advice better than “free legal” services?
Some lenders offer “free legal” as part of their remortgage package. But here’s the catch: those solicitors are acting for the lender, not you. Independent legal advice ensures:
- You fully understand the terms of your new mortgage
- Your solicitor is acting in your best interests
- You’re protected from clauses that could cost you later
What risks can legal advice help me avoid?
Without proper legal guidance, you could face:
- Unexpected fees or penalties buried in the small print.
- Delays in registration with the Land Registry, which could affect future sales or remortgages.
- Issues with leasehold terms, ground rent clauses, or title defects.
- Complications in joint remortgages, especially after a separation or divorce.
A solicitor will identify and resolve these issues before they become costly mistakes.
How long does the remortgaging legal process take?
Typically, the legal process takes 4 to 8 weeks, depending on the complexity of your case.
A solicitor helps keep things on track, especially important if your current deal is ending soon and you want to avoid slipping onto a higher variable rate.
Ready to remortgage? Get the right legal support with Jackson Lees.
Remortgaging can be a smart financial move, but only if you understand what you’re signing up for. Independent legal advice gives you peace of mind, protects your investment, and ensures the process runs smoothly.
At Jackson Lees, we’re here to help you remortgage with confidence. Whether you’re switching lenders, consolidating debt, or just exploring your options, our expert solicitors are ready to guide you every step of the way. Please give us a call, request a callback or make an enquiry to find out how we can help.