Re-mortgaging

Expert guidance from specialist lawyers to help you through the legal process of refinancing your property

Rated 4.6 stars on Trustpilot and Google

Our residential team of experienced and qualified lawyers, will help guide you through the legal process, be that the mortgage of your main home, a buy-to-let investment property or a large portfolio of investment properties.

We are also experienced at representing corporate buy-to-let clients who have structured their property portfolios with a Company structure.

To assist you in understanding the general refinance process we have set out below details of how the refinance process usually takes place:

Title Checks and Enquiries

Once we are instructed we will complete the necessary title checks that your mortgage lender will require us to carry out for them. That will include checking that there are no entries on the title that may adversely affect your lenders security and also checking whether there are any restrictions on the title that will need to be complied with or any defects that will need to be resolved. Any potentially adverse matters may need to be reported to your lender.

Leasehold Properties

If the Property is leasehold we will also check the lease document too, again to make sure that there is nothing adverse or defective within that. We will also need to contact the Landlord or their managing agents to ask them for certain pieces of information about the Property such as whether all payments are up to date, whether any disputes exist in respect of the lease and whether any major works are planned in the near future.

Company owned Property

If the Property is owned by your company, rather than you as an individual, we will carry out additional checks at Companies House to ensure that the company remains active and that it’s company documents allows it to borrow funds. We will also check that there are no winding up proceedings in respect of the Company. Following completion the mortgage will be registered at Companies House as well.

Property Searches or Search Indemnity Insurance

Most lenders will accept search indemnity insurance on a re-mortgage rather than requiring that a full set of Local Authority and other searches are made. Usually the cost of such a policy will always be much cheaper than instructing searches. It will also be much quicker to arrange to. If your particular mortgage lender does not accept indemnity insurance then we will need to order a full set of searches and those will usually take between two to three weeks to arrive back with us. Once received we will need to review those to check that they do not contain any entries that your lender is likely to be concerned about.

Second Charges

If you are placing a second charge on your Property rather than repaying the existing debt then the consent of the existing mortgage lender will need to be obtained. We recommend that consent is obtained before any other work is carried out or costs incurred.

Pre-Completion

Once all of the necessary checks have been completed and we have the signed mortgage documents back from you the transaction can be prepared for completion. If your existing lender is being repaid we will obtain a redemption statement from them. We will also provide your new lender with our confirmation that all checks have been satisfactorily completed and request release of the mortgage funds to us. A bankruptcy search against you will also be ordered to confirm that there are no pending proceedings.

Completion and Post-Completion

On completion the net mortgage advance will be transferred over to you. The mortgage documents will be dated and that will create a binding legal charge over your Property. Following complete we will oversee registration of that charge at the Land Registry.

If you would like further information on the services we provide or how we can help with you re-mortgage please get in contact with one of our Team. Download our PDF guide to

Get in touch

I can only recommend Ashworths. Been using them for over 15 years, simply the best.”

Mr V. London

Why choose us?

Diana Greenham and her team at Ashworths

Diana Greenham and her team at Ashworths have been fantastic in supporting and guiding us through the conveyancing requirements for our property. They were exceptionally thorough, efficient, and professional throughout the entire process, and always supportive and kind. Their expertise and ability to handle questions and resolve issues were truly impressive.

AM Feb 13, 2026

No hesitation in recommending!

Ashworths are an excellent firm of solicitors. I have retained them on a number of property related sales. Their attention to detail was impressive as was their very personal style of service.

Davif Farrell Jan 12, 2026

Excellent

In handling my commercial leases and property transactions, Brendan at Ashworths Solicitors has demonstrated an exceptional level of professionalism and expertise. He approaches every matter with precision, efficiency, and a clear focus on achieving…

Alex Winchester Jan 31, 2025

James Simmonds, Ashworths

James Simmonds looked after the sale and purchase of properties for my mother with competence, efficiency and compassion. I would not hesitate to recommend his services and I hope to be able to use him again in due course.

Susannah Sykes Oct 19, 2025

Good Job Professionally...

Brendan carried out first class work with the sale of our property on a matter that was not straight forward. He clearly demonstrated the ability to make things happen whilst using clear instructions that get to the point and deliver results.

John Baxter Oct 14, 2025

Areej was fantastic she was always…

Areej was fantastic she was always quick to respond, cheerful and incredibly clear. Her advice as informed and precise and her conduct was professional and accessible. Thank you so much!

Oscar Pearce Oct 12, 2025

Ashworths matched my needs exactly

Ashworths matched my needs exactly. Local, focused on property and represented owell. I have no hesitation recommending them.

John Simmonds Oct 8, 2025

I've always used Ashworths for all my…

I’ve always used Ashworths for all my properties since being a first time buyer, I simply wouldn’t go anywhere else. They are brilliant at what they do, knowledgeable, efficient, and I can always trust the team will do a top level job. I recommend them to all my friends.

Lucy Sep 29, 2025

Rated 4.6 on