--- title: "How Remortgaging Conveyancing Works | J Scott & Co" description: "How remortgaging conveyancing works in 2026 — solicitor role, timing, costs, redemption, Certificate of Title and fixed-fee quotes. Marlow & Berkshire." lang: en json-ld: | [ { "@context": "https://schema.org", "@type": "LegalService", "name": "J Scott & Co Solicitors", "description": "Experienced solicitors delivering expert legal advice across the UK. 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Marlow & Berkshire.", "author": { "@type": "Person", "name": "Tamseel Din", "url": "https://jscottlegal.co.uk/team/tamseel-din", "sameAs": [ "https://www.linkedin.com/in/tamseel-din-389b7b1a9/", "https://www.reviewsolicitors.co.uk/74207833/tamseel-din" ] }, "publisher": { "@type": "Organization", "name": "J Scott & Co Solicitors", "logo": { "@type": "ImageObject", "url": "https://seo-style-swift-move.lovable.app/images/cqs-logo.png" } }, "datePublished": "2026-05-22T03:31:08.757997+00:00", "dateModified": "2026-08-05T02:56:55.929095+00:00", "mainEntityOfPage": { "@type": "WebPage", "@id": "https://seo-style-swift-move.lovable.app/news/how-remortgaging-conveyancing-works" } }, { "@context": "https://schema.org", "@type": "BreadcrumbList", "itemListElement": [ { "@type": "ListItem", "position": 1, "name": "Home", "item": "https://seo-style-swift-move.lovable.app" }, { "@type": "ListItem", "position": 2, "name": "News", "item": "https://seo-style-swift-move.lovable.app/news" }, { "@type": "ListItem", "position": 3, "name": "Buying & Selling Process", "item": "https://seo-style-swift-move.lovable.app/news?category=Buying%20%26%20Selling%20Process" }, { "@type": "ListItem", "position": 4, "name": "How Remortgaging Conveyancing Works", "item": "https://seo-style-swift-move.lovable.app/news/how-remortgaging-conveyancing-works" } ] }, { "@context": "https://schema.org", "@type": "FAQPage", "mainEntity": [ { "@type": "Question", "name": "Can I stay with my current lender without conveyancing?", "acceptedAnswer": { "@type": "Answer", "text": "Yes – a product transfer or rate switch does not require a solicitor. The downside is you can only access your current lender's deals rather than the whole market." } }, { "@type": "Question", "name": "Can I release equity at the same time as remortgaging?", "acceptedAnswer": { "@type": "Answer", "text": "Yes. If your new mortgage advance is higher than the redemption figure on your existing mortgage, the difference is transferred to you on completion." } }, { "@type": "Question", "name": "Do I need to be at home for the remortgage?", "acceptedAnswer": { "@type": "Answer", "text": "No. The entire process can be handled by post and email. You may need to attend a notary or have ID verified in person." } }, { "@type": "Question", "name": "What is a Certificate of Title?", "acceptedAnswer": { "@type": "Answer", "text": "It is the formal document your solicitor sends the new lender confirming the property has clean title and the lender's charge can be registered. The mortgage advance is released against it." } } ] } ] --- [Get a Quote ](/quote) [![JScott & Co Solicitors](/images/jscott-logo.png)](/) [Home](/) About [Services](/services) Fees [News](/news) [Get Quote](/quote)[Contact Us](/contact) [![JScott & Co Solicitors](/images/jscott-logo.png)](/) [Home](/) About [Services](/services) Fees [News](/news) [Get Quote](/quote)[Contact Us](/contact) [Home ](/) [News](/news) [Buying & Selling Process](/news?cluster=Buying%20%26%20Selling%20Process) How Remortgaging Conveyancing Works Expert Article Buying & Selling Process # How Remortgaging Conveyancing Works Written by [Tamseel Din](/team/tamseel-din), Director 22 May 2026 4 min read ## Key Takeaway How remortgaging conveyancing works in 2026 — what your solicitor does, how long it takes, what it costs and how to avoid delays. Marlow & Berkshire fixed-fee service. [Back to News & Guides](/news) When you remortgage your home, you do not change owner — the property stays in your name — but the legal work that surrounds the new mortgage is just as regulated as a full purchase. Your existing lender's charge has to be released, the new lender's charge has to be registered, the new lender needs a Certificate of Title before they release funds, and HM Land Registry has to be notified. This article walks through exactly **how remortgaging conveyancing works**, what your solicitor does at each stage, what it costs, and how long it actually takes. If you are remortgaging a property in Marlow, Maidenhead, or across Berkshire and Buckinghamshire, our team at J Scott & Co Solicitors handles remortgage conveyancing as part of our fixed-fee service. [Get an instant quote](/quote). ## Do I need a solicitor to remortgage? Yes. Every UK lender requires the borrower to use a regulated conveyancer — either a solicitor or a licensed conveyancer — for a remortgage. This is non-negotiable because: - The new lender needs to register its legal charge against the property - The existing lender's charge needs to be formally released once paid off - HM Land Registry has to be updated - The new lender needs a Certificate of Title confirming the property has clean title Some lenders offer a "free legal" remortgage where they instruct their own panel solicitor at no cost to you. This is often advertised as a saving, but the panel solicitor acts only for the lender, not for you — and the service is typically very slow because the firm is processing thousands of identical cases in bulk. The alternative is choosing your own solicitor (often called a "cashback remortgage" where the lender pays a fixed contribution toward your legal costs). This is usually faster and gives you a named contact, but you may need to top up the lender's contribution. ## The remortgage conveyancing process step by step 1. **Instruction and ID** — you formally instruct your solicitor, complete anti-money-laundering checks, and pay any search fees on account. 2. **Title review** — your solicitor downloads the official copies of title from HM Land Registry and checks for any issues that would prevent the new mortgage being registered. 3. **Redemption statement** — your solicitor writes to the existing lender to request a final redemption figure, usually valid for a set number of days. 4. **Searches (if required)** — most lenders accept search indemnity insurance on a remortgage in place of full searches. Some require full searches; your solicitor will tell you which applies. 5. **Mortgage offer review** — your solicitor reviews the new lender's offer and any special conditions. 6. **Certificate of Title** — your solicitor sends this to the new lender confirming the title is clean and asks for the new mortgage advance. 7. **Completion** — funds are received, the old mortgage is redeemed, and any surplus is paid to you. 8. **Registration** — the new charge is registered at HM Land Registry and the old charge removed. ## How long does remortgaging take? The typical UK remortgage takes **4 to 8 weeks** from instruction to drawdown. This is significantly faster than a purchase because: - There is no contract pack, no enquiries, no other side to negotiate with - There is usually no chain - Searches may not be required - Many of the regulatory steps can run in parallel The main timing factors are: the existing lender's speed in providing the redemption figure (5–10 working days typically); whether searches are required (adds 2–6 weeks); the new lender's processing time; and your availability to sign documents and provide ID. If you are remortgaging at the end of a fixed-rate deal, start the process at least 8 weeks before your current rate expires. This avoids the gap where you would otherwise roll onto the lender's standard variable rate. ## Why local expertise matters Marlow's mix of period property, listed buildings in the conservation area, and leasehold flats can complicate a remortgage. A solicitor familiar with Marlow's title quirks will spot any issues at the title-review stage rather than mid-way through the process. We routinely handle Marlow remortgages for clients across SL7 and the wider Buckinghamshire area. If you are remortgaging in Marlow, see our [Marlow conveyancing page](/conveyancing-marlow) for service details, or our pages for [Maidenhead](/conveyancing-maidenhead), [Beaconsfield](/conveyancing-beaconsfield), and [Windsor](/conveyancing-windsor). ## Get a fixed-fee remortgage quote If you are remortgaging in Marlow, Maidenhead, or across Berkshire and Buckinghamshire, our team provides transparent, fixed-fee remortgage conveyancing. [Get an Instant Quote](/quote) or call 01628 777233. ![Tamseel Din, Director at J Scott & Co Solicitors](/__l5e/assets-v1/325dacfd-8c82-4c4c-9d23-71bb94c51a74/tamseel-din.jpg) About the author ## [Tamseel Din](/team/tamseel-din) Director Director and head of conveyancing, qualified in 2019, with experience spanning new build, secured lending and high-value residential property. Regulated by the Solicitors Regulation Authority. SRA number 621898. [View full profile](/team/tamseel-din)[LinkedIn](https://www.linkedin.com/in/tamseel-din-389b7b1a9/) ## Frequently Asked Questions ### Can I stay with my current lender without conveyancing? ### Can I release equity at the same time as remortgaging? ### Do I need to be at home for the remortgage? ### What is a Certificate of Title? ### Our Services - [Remortgage Solicitors ](/remortgage-solicitors) - [Conveyancing Fees ](/conveyancing) - [Get a Quote ](/quote) ### Local Offices - [Conveyancing Solicitors in Marlow ](/conveyancing-marlow) - [Conveyancing Maidenhead ](/conveyancing-maidenhead) - [Conveyancing Beaconsfield ](/conveyancing-beaconsfield) - [Conveyancing Windsor ](/conveyancing-windsor) ## More Buying & Selling Process Articles [ ### Do I Need a Conveyancing Solicitor to Buy a House? Strictly no — but for almost every buyer, instructing a solicitor is essential. Here is when DIY conveyancing is legal and when it is risky. Read Full Article ](/news/do-i-need-a-conveyancing-solicitor-to-buy-a-house)[ ### What is a Property Chain in Conveyancing? A property chain is a series of linked transactions where each sale depends on the next. Here is how they work and how to reduce risk. Read Full Article ](/news/what-is-a-property-chain-in-conveyancing) ## Ready to Get Started? Our expert conveyancing team is here to guide you through every step of your property journey. [Get a Free Quote](/quote)[Contact Us](/contact) [![JScott & Co Solicitors](/images/jscott-logo-white.png)](/) J Scott & Co Solicitors is a limited company registered in England and Wales (Company No. 08883749) | Authorised and Regulated by the Solicitors Regulation Authority No. 621898 | © 2026 All Rights Reserved ### Quick Links - [Our Services](/services) - [Our Team](/team) - [News and Insights](/news) - [Careers](/careers) - [About us](/about) - [Contact Us](/contact) - [Privacy Policy](/privacy-policy) - [Sitemap](/sitemap.xml) ### Contact Call [01628 777233](tel:01628777233) [enquire@jscottlegal.co.uk](mailto:enquire@jscottlegal.co.uk) ### Office 47 High Street Maidenhead, Berkshire SL6 1JT ![Law Society Accredited - Conveyancing Quality](/images/cqs-logo.png) Site built and managed by [legalbuzz 🐝](https://legalbuzz.co/)