Remortgaging & Transfer of Equity Solicitors

Remortgaging or transferring equity in your property is a significant financial decision, whether you are seeking to secure a better mortgage rate, release funds, or make changes to your property ownership.

At Brethertons, our experienced remortgaging solicitors are here to make the process straightforward and stress-free.

"We pride ourselves on our close working relationships with our clients."

Emma Crocker
Partner

Call Emma on 01869 255904
Meet the team

Get in touch

Your name Please enter your full name

Phone Please enter your telephone number

Email Please enter your email address

How can we help you? Please enter the details of your enquiry

Which department relates to your enquiry?

Please choose which department you would like to contact

Preferred office location

Please select your office

How did you hear about us?

Please let us know how you heard about us

Please enter the verification code

We will explain your options clearly, handle all the legal formalities, and ensure that your lender’s requirements are met efficiently.

Whether you are remortgaging to save money, adding or removing someone from the title deeds, or restructuring ownership following a separation or inheritance, we will guide you every step of the way.

Our team combines technical expertise with a practical, personal approach, keeping you informed and supported throughout.

We understand that your home is one of your most valuable assets, so we take the time to protect your interests and ensure everything is handled with care, professionalism, and complete transparency from start to finish.

Speak to our remortgaging and transfer of equity solicitors in Banbury, Bicester, Cheltenham and Rugby

If you would like to speak to a solicitor to help with remortgaging or transfers of equity, please contact our remortgage solicitors at our offices in Banbury, Bicester, Cheltenham or Rugby.

For pricing information on remortgaging & transfers of equity please click here.

Our remortgaging and transfer of equity services

Our remortgaging and transfer of equity services are designed to make property ownership changes as simple and seamless as possible.

Whether you are switching to a new mortgage deal, adding or removing someone from the title deeds, or restructuring ownership after a major life event, we will take care of every legal detail.

At Brethertons, we work efficiently to meet lender requirements and protect your interests, all while keeping you fully informed.

Our team combines specialist conveyancing expertise with a friendly, personal approach, ensuring your transaction progresses smoothly and without unnecessary stress.

Frequently asked questions about remortgaging and transfer of equity

What is remortgaging and how does it work?

Remortgaging a property means replacing your current mortgage with a new one, either with your existing lender or a different provider.

The new mortgage pays off the old loan, allowing you to secure a better rate, adjust your borrowing amount, or change the mortgage terms to better suit your financial situation.

When is the best time to remortgage my home?

The best time to remortgage is usually three to six months before your current fixed-rate or introductory deal ends.

This allows enough time to secure a new offer and avoid moving onto your lender’s higher standard variable rate, ensuring a smooth transition and helping you maintain lower monthly repayments.

How much does it cost to remortgage?

Remortgaging costs vary depending on the lender and property. Typical expenses include arrangement or valuation fees, legal conveyancing costs, and sometimes early repayment or exit charges.

Many lenders offer free legal and valuation services with certain deals, so it is worth comparing offers carefully to ensure overall cost savings.

How long does it take to remortgage?

A straightforward remortgage usually takes between four and eight weeks from application to completion. The timeframe depends on your lender, property type, and whether additional checks are required.

Having your documents ready and working with an experienced remortgaging solicitor can help keep the process smooth and efficient.

What are the benefits of remortgaging?

Remortgaging can help you secure a lower interest rate, reduce your monthly repayments, release equity for other purposes, or adjust your mortgage term.

It can also allow you to switch to a product that better suits your lifestyle or financial goals, offering greater flexibility and long-term financial control.

What documents do I need for a remortgage application?

You will usually need proof of identity, recent bank statements, payslips or tax returns, details of your existing mortgage, and evidence of any other financial commitments.

If you are self-employed, lenders may request additional accounts or income records. Your remortgaging solicitor will help ensure all necessary documents are correctly prepared.

What are the legal fees involved in remortgaging?

Legal fees for a remortgage cover the work of verifying title deeds, reviewing mortgage offers, carrying out necessary checks, and registering the new charge with HM Land Registry.

Costs vary depending on the property and lender, though many lenders include basic legal services within their remortgage packages.

What is transfer of equity?

A transfer of equity is the legal process of changing the ownership of a property without selling it. It involves adding, removing, or adjusting the ownership shares of existing parties.

Common reasons include marriage, separation, inheritance, or restructuring finances, often requiring lender consent if there’s an existing mortgage.

What is the difference between a transfer of equity and a remortgage?

A remortgage replaces an existing loan with a new one, often to secure a better rate or release equity.

A transfer of equity changes the ownership of a property. Sometimes, both happen together, for example, when one party buys out another’s share and refinances the mortgage.

Do both parties need a solicitor for transfer of equity?

In most cases, yes. Each party should have their own solicitor to ensure independent legal advice, particularly if one person is being added or removed from ownership.

If all parties agree and no conflict exists, one solicitor may act for everyone, subject to lender approval and circumstances.

How long does a transfer of equity take?

A straightforward transfer of equity typically takes four to six weeks. The timeline depends on whether a mortgage lender is involved, if Stamp Duty Land Tax applies, and how quickly documents are signed and approved. Your solicitor will manage each stage efficiently to avoid unnecessary delays.

What happens if I want to remove someone from the title deeds of a property?

If you wish to remove someone from the title deeds, you will need to complete a transfer of equity.

Your mortgage lender must approve the change if there is a loan on the property, and your solicitor will prepare and register the updated ownership details with HM Land Registry.

Contact our remortgaging and transfer of equity solicitors in Banbury, Bicester, Cheltenham and Rugby

For bespoke support contact our team of transfer of equity solicitors at Brethertons today.

Our solicitors in Banbury, Bicester, Cheltenham and Rugby will guide you through the transfer of equity and remortgage process from start to finish.

Brethertons were friendly, efficient and kept me informed at all times. I was confident that he would do what he said he would do. To my great delight he did exactly that! A job well done.
David Leytham
Emma Crocker and Steven Neasham were fantastic, kept me informed of what was happening, chased people relentlessly and made sure I understood what things were
Brethertons made the purchase of our first house incredibly straightforward and stress free. We were kept very well informed throughout, and they even put up with all our ignorant questions without complaining! Thank you.
Murray Naish
Buying a home can be very stressful because of the sums involved and the number of variables - Steven's expertise and communicative approach made the process a pleasure.
James Peake
Going through this house sale was my first experience as executor and selling a house I found it was made very smooth and straightforward by Brethertons.
Brethertons has done a great job on our house sale. Due to our property being in a development maintained by a property management company, I was concerned about the potential delays that might cause but I provided Brethertons with some important information early on and she made sure that all aspects proceeded smoothly. Overall, very happy with the sale and had no hesitation in asking Brethertons to deal with our house purchase.ï»¿
Haythem Al-Kishtaini
As with our previous experience of Brethertons we enjoyed a highly efficient, knowledgeable, approachable and helpful service. Many thanks.
Erica Forrest-Owen
Brethertons did a fantastic job with the sale and purchase of properties. The communication is quick, efficient and approachable. We had a nightmare waiting for our onwards purchase and the sellers solicitors were shockingly bad. Thankfully, Brethertons were on it throughout and constantly chased on our behalf.
Special shout out to Leo who was so prompt at replying to queries and nothing was too much trouble. Really appreciate the hard work that was put in
Thanks!!
Good, clear and regular communication, chasing of other parties. Very high level of service.
Thanks Steven for such excellent service once again. We'll be back.
Christine Hanlon
All l can say is that from everyone, l received fantastic service, and please can l ask you to pass the feedback to them personally.
Brethertons managed our case. Very professionally and kept us informed at all times.
ï»¿Superb service which gave me confidence in the smooth process of my house sale and purchase. My thanks go to all involved.
We look forward to working with Brethertons as our local solicitors of choice for any legal matters we may have.
The Brethertons team exceeded my expectations and couldn't have been more helpful.
Once again, l would like to praise Leo Deane. He was very efficient and a pleasure to deal with - Thank You.
We found the staff at Banbury were very friendly and helpful. Leo Deane was very good.
Keep doing what you're doing!ï»¿
I cannot recommend Leo and Lewis enough at Brethertons, having worked in the business for over 20 years I know how a transaction should progress if the legal representation is knowledgeable and Leo and Lewis did not let me down. There legal expertise is excellent, they are friendly, personable and easy to deal with. Five stars all the way
Please keep the personal approach, as l find this very important rather than leaving everything to be notified on Email etc.
I was very happy and my agents commented at the start of your reputation of efficiency. Always got back to my calls and emails. Made the process very easy - Thanks!
What a great team, so pleased we went with Brethertons. Expensive, but worth the extra money, great with all the detail and always available to chat through our concerns and keep us posted.
Brilliant service. Always took/returned calls promptly, efficiently & kept me informed. Totally reliable and very friendly.
I have used diators services pretty frequently and I must say this was if not the best. The ability professionalism and determination to make progress when our purchaser's solicitors were inefficient. I would recommend Brethertons without hesitation.ï»¿
At this time cannot see any need for improvement. Totally satisfied with our experience of dealing with Brethertons.
I have nothing but praise for Brethertons in Banbury.
Keep up the good work. You are doing a grand job.
Excellent level of service. Would definitely use again and would recommend highly.
I feel the level of service given to me was excellent with friendly, efficient, professional and caring staff.
definitely use again and recommend. Thank you Brethertons. Amazing job.
Carry on! Very good job. I am truly satisfied with the service provided. It has been refreshing to deal with professional people who get a good job done. Thank you for making a stressful time stress free.
It's hard to think of how you can improve on perfection. I really, honestly cannot think of any way brethertons can be improved, which is unlike me. I just hope you continue to be as good as you are. It is a pleasure to say when people ask who did you use? I feel proud to say Brethertons of course, the best.
We have used Brethertons many times - Wills, POA, Conveyancing etc. Always handled professionally.
Brethertons have given excellent service in the past and this time was just as good if not better.