Do I Need a Solicitor to Remortgage?
If you’re looking to remortgage your home, you might be thinking back to when you first obtained a mortgage and wondering if you need a solicitor again.
The good news is that you don’t always need a solicitor for a remortgage.
If you’re staying with the same lender and you’re simply selecting a new remortgage deal, then you won’t need a solicitor (as this is known as a product transfer).
You also won’t need a solicitor if you need to borrow extra money from the same lender.
When Do You Need a Solicitor to Remortgage?
You will need a solicitor to remortgage if, for instance:
- You need to remove someone’s name from the remortgage
- You need to add someone’s name to the remortgage
- You choose to remortgage with a new lender
- You need to use the money from a remortgage to purchase a new property

John Charcol Legal can help you find a conveyancer to help with the remortgage process.
The Topics Covered in this Article Are Listed Below:
- Do I Need a Solicitor to Remortgage?
- When Do You Need a Solicitor to Remortgage?
- How Long Do Solicitors Take to Remortgage?
- Do I Need a Valuation for My Remortgage?
- Do I Need a Deposit for My Remortgage?
- Do I Need a Survey for My Remortgage?
- Do I Need a Mortgage Adviser for My Remortgage?
- Remortgage Calculator
How Long Do Solicitors Take to Remortgage?
Your solicitor will take between 4 - 8 weeks to complete your remortgage if there are no complications along the way.

Do I Need a Valuation for My Remortgage?
Yes, you do need a valuation with a remortgage, but it differs slightly depending on whether you stay with your current lender or switch to a new remortgage provider. Read our comprehensive Guide to Valuations for more details.
If you stay with the same lender, they may use an AVM (Automated Valuation Model) to determine the value of your house, which can be quite quick. This model requires a good amount of recent sales data for houses in your area, which will determine whether it’s used or not.
If you change to a new lender, they might use an AVM or a qualified valuer to assess the market value of your house. As with "free legals", you may be able to obtain a "free valuation" with some new remortgage products, but it’s important to check.
Checking the fees, cost of borrowing and any other incentives like cashback is essential to properly compare different remortgage deals.
The reason you need a valuation for your remortgage is because the company lending you the money needs to understand the risk (amount you want to borrow) in comparison to the value of the house. As you would expect, low risk would involve borrowing a small amount against a house worth 4 times that amount. High risk would be the opposite: borrowing a large amount against a house that’s not worth much more than the mortgage.
Your level of risk determines whether you can apply for certain remortgage products. You can see this by looking for minimum LTV (loan to value).
Here’s an example:
- House value: £200,000
- Amount to borrow: £150,000
- LTV: 75%
Do I Need a Deposit for My Remortgage?
You need equity to obtain a remortgage as opposed to a deposit, which you would have need you took out your first mortgage.
Unlike a cash deposit (money in your bank), equity refers to the amount of your property that you own (without debt) as part of the total value of your house.
As mentioned, this is related to how much you’d like to borrow in comparison to the value of your property (LTV).
You do have the option, however, to pay off some of your mortgage when remortgaging. If you’ve managed to save a little, it’s worth discussing this with a remortgage adviser.
Paying off some of your mortgage can help you pay less interest (cost of borrowing) over time and may even allow you to pay off your mortgage a little earlier.
Do I Need a Survey for My Remortgage?
You may need a survey as part of any new agreement for a remortgage, but it’s less likely if you stay with the same lender. There are many types of survey, each with a different level of detail.
The company lending you the money will assess the age and type of house, and this will determine the type of survey required (along with the construction material). A remortgage lender will consider certain construction types as riskier than others when it comes to lending you money.
Do I Need a Mortgage Adviser for my Remortgage?
It’s strongly advised that you talk to an adviser about any new financial agreements concerning your property.
Any decision that concerns money needs careful consideration and you’ll need to understand all the facts and what options you have.
If we take some of the above examples, a remortgage broker will understand:
- Your finances and current circumstances
- Whether you need a solicitor or valuation, and which products offer "free legals and valuations"
- What equity you have and be able to calculate your LTV to see your options
- What the total cost of borrowing will be and whether a remortgage product is actually the best deal for you
To get in touch with one of our expert advisers, call us today on 0330 433 2927 or enquire online.
Remortgage Calculator
The costs of a remortgage will depend on the amount you need to borrow, the type of mortgage, the interest rate you agree to pay, how long the term of the loan is and the fees you are charged when setting it up.
Find out how much you could save to help you find the best remortgage rates for your property with our mortgage calculator below. We also have mortgage calculators for home extensions and mortgage overpayments.
Remortgage Deals
Compare remortgage rates and deals with our mortgage comparison tool and discover how this type of mortgage works, the process and if it’s suitable for you.
Debt Consolidation Remortgage
On this page we go through debt consolidation remortgages, how they work, when you can do it, the pros and cons, which lenders are available and more.
Remortgaging Guide
Remortgaging means to switch to a new deal with a different lender but stay in the same property. Learn about remortgage costs, valuations and see our advice.
9 Reasons to Remortgage
Read our nine reasons why you should consider remortgaging your home. You can save a lot of money on remortgaging, so make sure you get the best deal.
Mortgage Glossary
On this page you’ll find our detailed mortgage terminology glossary. There’s a lot of jargon out there but we’re here to make it easy.
Home Insurance
Do you want new home insurance to go with that new mortgage? Our in-house team can arrange bespoke buildings and contents insurance to suit your new requirements, for free.
Protection
With John Charcol, you’ll have the option of speaking to your very own expert protection adviser who’ll learn about your situation and find the right cover for your needs.
JC Legal
We can find you a solicitor to manage the conveyancing part of the process with JC Legal. We choose from an exclusive panel of carefully selected solicitors and conveyancers, saving you time and ensuring you receive excellent service.
Equity Release
It’s easy to overlook your property as part of your finances, but your home is probably the biggest asset you have. Release money from your home with John Charcol's partnership with Key Retirement. Find out more and start the process today.
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There are many valid reasons to remortgage. If you’re considering remortgaging your home but need help finding the right option for you, contact John Charcol. Our team of experienced mortgage advisers can recommend a range of remortgage options to suit you. Request a call back or call us on 0330 433 2927 to get in touch.
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- What Mortgage Documents Do I Need?
- 9 Reasons to Remortgage
- Do I Need a Solicitor for My Remortgage?
- Can I Get a Remortgage While Self-Employed or on Part-Time Hours?
- Can You Remortgage Early?
- How to Find the Best Remortgage Rates and Deals
- What is a Remortgage and Why Do I Need One?
- How Much Can I Borrow on a Remortgage?
- Remortgaging A Shared Ownership Home
- I Own My House Outright. Can I Remortgage?
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