Re-mortgage in Scotland
Pomphreys Solicitors offer fast, reliable conveyancing services for homeowners re-mortgaging in Scotland—whether you’re switching lenders, releasing equity, or securing a better deal.
Whether you’re looking to get a better deal, release equity, or switch lenders, re-mortgaging in Scotland can be a smart financial move. But like any property transaction, it comes with legal steps that need to be handled correctly.
At Pomphreys Solicitors, we help homeowners across Scotland re-mortgage with ease. Our experienced conveyancing solicitors ensure the legal work is completed smoothly and efficiently—so you can focus on your finances, not the fine print.
What Is a Re-mortgage?
A re-mortgage involves changing the mortgage on your existing property—either by switching to a new lender or negotiating a new deal with your current one. Many clients choose to re-mortgage to:
- Secure a lower interest rate
- Fix their mortgage payments
- Release equity for home improvements or other costs
- Consolidate debts
Whatever your reason, Pomphreys will guide you through the process and make sure all legal formalities are properly dealt with.
The Re-mortgage Process in Scotland
Although you already own the property, re-mortgaging still requires certain legal checks. At Pomphreys, we’ll handle everything from reviewing your title to finalising the transfer of funds.
Here’s what we do for you:
- Obtain and review your title deeds
- Check for any legal restrictions or burdens
- Liaise with your new lender and request the mortgage offer
- Discharge the old mortgage with your current lender
- Register the new mortgage with the Registers of Scotland
We keep the process moving quickly and update you at every step.
Why Use a Solicitor for Your Re-mortgage?
Even when no money is changing hands between buyers and sellers, a re-mortgage still requires a solicitor to:
- Verify your legal title
- Complete lender requirements
- Ensure the new loan is properly secured
- Remove the old mortgage from the title
If you’re switching mortgage provider, your new lender will usually insist that a solicitor handles the legal process. Our team makes sure everything is done correctly and on time, avoiding delays or costly mistakes.
Re-mortgaging with Pomphreys
- ✅Experienced Legal Team – we’ve helped hundreds of clients across Scotland successfully re-mortgage their homes.
- ✅Clear, Competitive Fees – we offer fixed fees for standard re-mortgages, so there are no surprises.
- ✅Fast Turnaround Times – we work quickly to complete your re-mortgage before your current deal ends.
- ✅Local Service with a Personal Touch – based in Wishaw, we offer friendly, straightforward advice you can trust.
- ✅Regular Updates and Clear Communication – we keep you informed from start to finish—and we’re easy to reach when you need us.
Thinking About Re-mortgaging?
If you’re ready to re-mortgage your home in Scotland, speak to Pomphreys today. We’ll give you a clear quote and guide you through the legal process from start to finish.
Get in touch now for expert re-mortgage advice from your local property solicitors.
❓ Common Questions About Re-mortgaging in Scotland
Do I need a solicitor to re-mortgage my home?
Yes. A solicitor is needed to review your title, liaise with your new lender, discharge your old mortgage, and register the new one.
How long does a re-mortgage take?
A standard re-mortgage usually takes 2–4 weeks, depending on your lender and how quickly documentation is processed.
Can I release equity through a re-mortgage?
Yes. Many homeowners re-mortgage to access funds for home improvements or other major expenses. We’ll help with the legal steps involved.
Do you offer fixed fees for re-mortgaging?
Yes. We offer competitive fixed fees for standard re-mortgages. Get in touch for a personalised quote.
