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Do you need conveyancing assistance as part of your remortgage?

When you remortgage, you change your existing mortgage product to another for the same property. The new mortgage might be provided by the same lender as your previous one, or it might be with a new lender.

If you remortgage with your current lender, it is likely that the lender will consider it as a product transfer, requiring no new legal work to be carried out. However, you may switch to a different lender, who will require you to hire a licensed conveyancer to carry out checks and deal with the transfer of ownership. This is remortgage conveyancing.

The conveyancing process when remortgaging requires less work to be carried out than when buying a property, and therefore takes less time. It may be possible for your conveyancer to complete the work within three weeks. The reason that less work needs to be carried out is that the requirements of a new lender are usually less stringent than those of the first lender. Typically a new lender only requires a regulated local authority search or an indemnity policy, so there is no need for multiple searches to be carried out.

As part of the process, you will be allocated a lead solicitor that handles the transaction(s) and a team assigned that assists with the day-to-day administration, so all loose ends are tied up.

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