Pricing Guidelines - Residential property

Disbursements are costs related to your remortgage that are payable to third parties, such as search fees and Land Registry fees. We handle the payment of the disbursements on your behalf to ensure a smoother process.

It can be quicker or slower, depending on any issues with the title or available information but you can expect it to take around 8 weeks

The precise stages involved in the remortgage of a residential property vary according to the circumstances. However, the following is an outline of typical stages:

• Take your instructions and give you initial advice
• Receive and advise on mortgage offer
• Check legal title to the property
• Carry out searches [if required by the lender]
• Obtain further planning documentation if required
• Make any necessary enquiries of you
• Give you advice on all documents and information received
• Go through conditions of mortgage offer with you
• Send mortgage deed to you for signature
• Agree completion date of new mortgage
• Notify lender of draw down date
• Arrange for all monies needed to be received from lender and you
• Complete remortgage
• Account to you any money due to you as a result of the remortgage
• Deal with application for registration at Land Registry

This is a standard transaction and that no unforeseen matters arise including for example (but not limited to) a defect in title which requires remedying prior to completion or the preparation of additional documents ancillary to the main transaction;

• This is a remortgage of whole and not part of the land;
• The transaction is concluded in a timely manner and no unforeseen complication arise;
• All parties to the transaction are co-operative and there is no unreasonable delay from third parties providing documentation;
• No indemnity policies are required. Additional disbursements may apply if indemnity policies are required.