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Whether you’re looking to secure preferential interest rates, reduce your monthly payments, consolidate debts, or release equity; remortgaging your property offers a range of benefits to suit your individual financial needs. In most cases, you will need an experienced conveyancing solicitor to handle the legal aspects of the remortgage process.

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Expert Guidance Through The Remortgaging Process

At McCarthy + Co, our conveyancing team combines in-depth knowledge and understanding of Ireland’s property laws with a meticulous approach to the legal paperwork. If you are looking to remortgage, our highly experienced remortgage solicitors will handle all aspects the legal process for you. Our service includes:  

  • Legal Advice and Guidance – Providing general legal counsel around remortgaging. This includes helping you understand the terms and conditions of the new mortgage deal and any implications it may have.
  • Property Title Check – Our solicitors check the title of your property to ensure there are no legal issues that could affect the remortgage. This includes verifying ownership and looking for any encumbrances or liens that might be on the property.
  • Liaising with Lenders – We communicate and negotiate with your current and new lenders. This involves obtaining the redemption statement from your current lender (how much you owe) and coordinating with the new lender on the terms of the new mortgage.
  • Handling Documentation – We manage all the necessary legal documentation. This includes preparing and reviewing mortgage deeds, transfer deeds (if ownership is changing), as well meeting with you to go through and sign the new loan pack issued by your new bank.
  • Managing Funds – Our solicitors handle the financial aspect of the remortgage. We receive the mortgage funds from your new lender and use these to pay off the existing mortgage. We also manage the disbursement of any remaining funds to you if you’re borrowing additional money.
  • Ensuring Compliance – Our team ensure that all legal and regulatory requirements are met during the remortgaging process. This includes compliance with relevant property laws and mortgage lending criteria.
  • Updating the Land Registry – If there are changes to the mortgage or property ownership, our solicitors will update the Land Registry records to reflect these changes.

Remortgaging involves some legal complexities when changing to a new lender or changing any aspects of ownership. As such, you will need experienced remortgage solicitors on your side throughout the process. Arrange a time to speak to conveyancing professional by completing our quick and confidential property consultation form.  

Speak to our legal team now about your case. Call us Freephone on:

1800 390 555

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Frequently Asked Questions

Questions we are often asked in relation to remortgaging.

  • When is a conveyancing solicitor not required when remortgaging?

    A conveyancing solicitor is not typically required when remortgaging if you are simply switching to a new deal or rate with your existing lender, known as a "product transfer". This scenario generally involves no changes in property ownership or mortgage terms other than the interest rate, meaning the legal complexities that necessitate a solicitor's involvement are absent. However, for most other remortgaging situations, especially those involving a change in lenders or changes in property ownership, a conveyancing solicitor's services are usually needed.

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  • When is it essential to involve a conveyancing solicitor in the remortgaging process?

    If there are changes in lender or property ownership, you will need to involve a solicitor in the process as early as possible. Your solicitor handles the legal aspects of transferring a mortgage to a new lender, ensuring compliance with property laws and financial regulations. They conduct necessary property title checks, prepare and review legal documents, manage the disbursement of funds, and communicate between all parties involved. Their expertise mitigates legal risks, ensures that all contractual obligations are met, and provides valuable guidance throughout the entire process, all while prioritising the safeguarding of your interests.

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  • How long does the legal process take?

    The legal process of remortgaging typically takes between 4 to 8 weeks. This duration can vary based on factors like the complexity of the property's legal status, the efficiency of the parties involved, and the specific requirements of the new mortgage lender.

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  • What are the costs involved in remortgaging my property?

    Costs you will need to factor in when remortgaging include your solicitor’s fees (request a quote using our conveyancing quote request form here), a Land Registry fee of €175.00, Commissioner for Oaths fees in the region of €20.00, and bank charges to release the title deeds typically in the region of €40 to €80. You will also need to consider valuation fees paid to a surveyor for assessing the property's worth, and possibly a booking or arrangement fee to the new lender. Additionally, if you're breaking your current mortgage early, an exit fee or early repayment charge may apply.

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  • Is it always necessary to have a property valuation carried out when remortgaging?

    It is generally necessary to have a property valuation carried out. This is to determine the current value of the property, which is important for the new mortgage arrangement. Lenders typically require an up-to-date property valuation to ensure that the property is worth the loan.

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  • What are the eligibility criteria for remortgaging?

    Eligibility for remortgaging typically depends on factors like your credit score, current income, employment status, existing debts, and the equity in your property. Lenders assess your ability to repay the new mortgage, considering your financial stability and credit history. The property's value and condition also play a crucial role.

The Conveyancing Team at McCarthy + Co

About McCarthy + Co

McCarthy + Co. are a team of solicitors with more than 30 years of experience in providing legal advice, guidance and assistance to clients across Ireland.

We are a family-run business with offices in Dublin and Cork, but we have dealt with clients everywhere from Galway and Limerick to Waterford. We are honest, plain-speaking and thorough – we will work alongside you to ensure your property sale or purchase is as efficient as possible.

Our Awards & Accreditations

We are a multi-award winning firm, accredited by the Law Society of Ireland.

Law Firm of the Year - Irish Law Awards
Irish Law Awards 2022 - Winner of Excellence & Innovation in Client Services
Irish Law Awards 2022 - Excellence & Innovation in Client Services
Irish Law Awards 2021 - Litigation Law Firm of the Year (Munster)
Q9000 The Legal Quality Standard of Ireland
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