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Once you have instructed your conveyancer to represent you in re-mortgaging your property and confirmed ID with them, the conveyancer will begin the process and you will contact your mortgage company. When you have received a re-mortgage offer from the new lender your conveyancer will carry out searches on the property and check the Title Deed. Your conveyancer will explain the Mortgage Deed to you. Your conveyancer will obtain a Redemption Statement from your existing lender which notifies them that you wish to pay off your existing mortgage. You will be required to sign the new Mortgage Deed.

On the day of completion your conveyancer will receive the money from the new lender, and use it to pay off your existing mortgage, plus the redemption fees and any administrative charges. Your conveyancer will then send you any remaining money from your client account. When your old lender has confirmed that they have received their money, their legal charge can be removed from the deeds of the property. Your conveyancer will send an application to the Land Registry to request the removal of the old lender and replace them with your new lender on the Title Deed. The Land Registry will send a new Title Deed to your conveyancer, who will send it to you.