Remortgaging or Switching Lenders? We Offer Clear, Fixed-Fee Legal Support

Professional service with a personal touch

Remortgaging your property is a smart financial decision – whether you’re moving to a better rate, consolidating debts, or releasing equity.

At Charsley Harrison LLP, our experienced remortgage solicitors ensure that the legal process is fast, accurate, and fully compliant with your lender’s requirements. We act for all major UK banks and mortgage providers.

What Our Mortgage & Remortgage Service Includes

When you instruct us, we’ll:

Review your new mortgage offer and terms
Handle any lender-specific legal requirements
Redeem your existing mortgage
Update the Land Registry
Transfer legal title if needed (e.g. joint names or transfer of equity)
Coordinate with brokers, lenders, and existing solicitors

Fixed-Fee Pricing for Remortgage Legal Services

Our fees for standard remortgage cases are fixed and transparent – ideal for homeowners looking to switch lenders quickly and affordably.

Conveyancer's fees and disbursements

Legal fees as based on the value of the property, as shown in the table below.

Property value	Legal fee
Up to £450,000	£500.00
£450,001 to £550,000	£550.00
£550,001 to £650,000	£600.00
£650,001 to £750,000	£650.00
£750,001 to £850,000	£750.00
£850,001 to £1,000,000	£800.00
£1,000,001 to £1,200,000	£900.00
£1,200,001 to £1,400,000	£1,000.00
£1,400,001 to £1,600,000	£1,200.00
£1,600,001 to £1,800,000	£1,300.00
£1,800,001 to £2,000,000	£1,500.00
Over £2,000,000	On request

VAT on the above fees is payable at 20%

If the property is a Leasehold an additional £250 + VAT is applicable.

Disbursements and additional costs

Search fees are approximately £250 or search indemnity insurance, which is approximately £30
HM Land Registry fee can be found at http://landregistry.data.gov.uk/fees-calculator.html
Official copies: £6
Electronic money transfer fee: £35 + VAT
Bankruptcy (per name): £2.00
OS1 priority fee: £3
ID fee: £12 + VAT per name or £25 + VAT for companies (£5 + VAT for each name of the beneficial owners of that company)
Help to Buy fee: £250

In the case of leaseholds, the fee is £100 additional to legal fees as shown in the table above.

Referral fee (if any)

This is not payable by you. These fees are usually paid to estate agents who refer work to us and are between £100 – £200, except referrals from Lifetime Legal where we will let you know.

Stages of the process

The precise stages involved in a mortgage or re-mortgage vary according to the circumstances. However, below we have suggested some key stages:

Take your instructions and send out a client care letter to you
Request title deeds and Redemption Statement from lender
Receive and advise on mortgage offer
Carry out searches or take out search indemnity insurance
Obtain further planning documentation if required
Give you advice on all documents and information received
Make an appointment for you to come in and sign the mortgage deed
Obtain pre-completion searches
Agree completion date
Arrange for all monies needed to be received from lender and you (if applicable)
Complete re-mortgage/mortgage
Deal with application for registration at Land Registry

How long will it take?

How long it will take for your mortgage or re-mortgage to be completed will depend on a number of factors but the average process takes between 3 – 4 weeks.

It can be quicker or slower, depending on various factors, including local search timings and redemption figure requests.