Switching lender, securing a better rate, or releasing equity requires a legal process before your new mortgage funds can be released. Our specialist remortgage team ensures everything is handled quickly, efficiently and with complete transparency.
Below is a clear breakdown of the typical stages involved in a standard residential remortgage.
| Stage | What We Do | Estimated Time |
|---|---|---|
| 1 | Receive your instruction forms and identification documents. | 0–7 days |
| 2 | Receive your formal mortgage offer from your new lender. | 0–14 days |
| 3 | Obtain title documents from HM Land Registry. | 0–4 days |
| 4 | Review title and ensure all lender conditions are satisfied. | 0–7 days |
| 5 | Raise and resolve any title enquiries if required. | 0–14 days |
| 6 | Prepare mortgage deed and send report for your signature. | 0–4 days |
| 7 | Receive signed mortgage deed from you. | 0–5 days |
| 8 | Request mortgage funds from your new lender. | 0–5 days |
| 9 | Complete remortgage and redeem your existing mortgage. | 1 day |
| 10 | Register the new mortgage at HM Land Registry. | 2–12 weeks |
*Timescales assume a standard residential remortgage without title complications.
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