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  • Glasgow (Giffnock) 01416212212
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  • East Kilbride 01355263777
  • Glasgow (Newton Mearns) 0141 611 5221
Law Society of Scotland


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Your home, as well as being your residence, is probably your biggest financial asset. If you are considering remortgaging or raising finance on it for any reason, come and speak to our solicitors first. We have connections with a variety of lenders and first-class financial advisers and mortgage brokers and can refer you for a free consultation to a suitable firm.

Remortgaging Legal Advice from our Solicitors

Before engaging any new lender or loan, it is best to have a meeting with one of our solicitors in Glasgow, Newton MearnsHamilton or East Kilbride - this is free, and we can sit down with you in person to give friendly, reliable advice on the technicalities of remortgage, in case it includes transfer of title, early redemption penalty or negotiation with existing lenders or second security-holders.

Remortgage is a legal transaction and all fees and outlays are quoted in advance and in writing. We are extremely competitive in our charges and are confident in offering excellent value for money. Our office and IT systems are current, and our staffs are all trained, experienced and efficient.

Guide to Remortgaging your House in Scotland

If you are thinking of changing your mortgage for a higher amount, a better rate or to fund a project in or out of your house, there is legal work to be done. Some lenders will offer an in-house conveyancing package, but you are generally entitled to select your own solicitor to act for you.

Solicitor for Remortgaging in Scotland

This can be the solicitor who dealt with your house purchase or a new solicitor whom you have got to know from other business or a recommendation from family or friends. The solicitor dealing with the transaction will call up your title deeds from your current lender, and receive the loan paper from your new lender (or perhaps the same lender if you are simply changing mortgage product or getting a further advance on your present loan). The new mortgage papers and instructions (which mirror the offer of loan you receive from your new lender) are sent to your solicitor, who draws up a new security and a discharge of the old one, arranges signings and calls down your new loan funds from the lender, then pays off your old mortgage and pays the remaining funds , less costs, to you or your nominated payee.

Searches, Title Deeds and other Remortgage Legal Essentials

In doing his or her job, the solicitor carries out title and property searches to ensure all is well, examines your title deeds if not seen by him or her before, and reports to the lender before ordering the funds. One thing to be careful of is to be sure in whose name the title deeds are. If a married couple for some reason have the deeds in the name of the husband or wife alone, and the new mortgage is in joint names, this will not fit, so either the lender has to agree to change the mortgage, or the clients have to instruct a transfer of title into joint names – which involves unavoidable extra cost and complication.

As with any transaction, we quote fees and outlays in advance, and produce a cash statement to confirm money in and out of our ledger on your behalf. And as for working out what mortgage is best, we are not mortgage brokers ourselves, but work regularly with a small group of Independent Financial Advisers who can deal with enquiries and options on this subject.

Contact our Solicitors in Glasgow, Newton Mearns, East Kilbride and Hamilton, Central Scotland

To contact our solicitors for remortgaging legal advice, please complete our online enquiry form here, email us or telephone your nearest office to get an immediate response and advice.

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Client testimonials

"I wanted to make you aware of the first class and professional service I received during the purchase of my new house, and sale of my flats. Elaine MacDonald, and her assistant, Tracey Matheson were fantastic to work with. I was kept up to date at all times..."
Stephanie, East Kilbride