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Mortgages & Remortgages
Click on any of the questions below to reveal the answer:
When you borrow money from a bank, building society, private individual or other financial institution they take the property as security secured by way of a mortgage or legal charge against the title of the property. The charge remains until it is either repaid or the property is sold. The charge gives the lender rights over the property specifically the right to repossess if the loan is not repaid.
A remortgage is when you already have a mortgage with one lender and you refinance with another lender.
Not usually, but this depends on the lender and the locality of the property, most require either a local authority search or search indemnity insurance which covers all searches.
All lenders require you to have a solicitor, either one of their own or one of your own choice because in addition to your own interests the lender’s interest must also be protected from anything that may affect their security, most mainstream lenders are happy for one firm to act for both the lender and the borrower.
Usually about 4 to 5 weeks.
For further information or a quote please contact Alison Mason.
What our clients say:
Thank you both very much for all your hard work and patience, we know it wasn’t as straight forward a job as it should have been but had it not been for your professionalism I’m sure it would have taken a lot longer. We will hopefully be back in touch soon when we have a buyer for our current house as we would like you to act for us again.
Adam provides a high quality and effective service that I do not hesitate to recommend to others. Good eye for detail and clear, timely communications. Highly recommended.
The service provided was of the highest standard from start to finish. Adam was friendly, thorough and professional which made buying our house easy and stress-free. I was recommended Ridley & Hall, and Adam in particular, by a friend and I would recommend him to everyone I know! Many thanks Adam
We found Adam and his staff to be excellent, to the point and very willing to go the extra mile to satisfy our need for detailed answers.
Just wanted to thank you for all your help and support in getting our house purchase through! I’m sure we’ve been the most bothersome clients you’ve ever had, but we really are grateful for your help. We are so excited to finally be moving and to really be able to get properly started on our new life back in England. We can’t wait to put up some coat hooks and pictures! Thanks!
Thank you for your e-mail and, whilst as you say the matter is not proceeding, I would like to say how impressed I was by your teams promptness and enthusiasm for keeping things moving at the time. I have bought/sold a few properties over the years and I must say this was very refreshing when compared to other legal firms that I have used.
I wish to thank you, Jill & Mark along with everyone else at Ridley & Hall who has dealt with my Mothers case over the past months. As you can imagine the past two years have been a very emotional and stressful period for my family as my Mother first became ill and finally passed away. The professionalism and rapidity we have received from yourselves has been a great help in these hard times. Personally it has left me with a very positive view of Ridley & Hall and you will certainly be my first choice when I next require legal representation – but I’m sure you’ll forgive me for saying I hope that time will not be too soon 😉 Again thank you all your help.
Thank you so much for all your help with everything, you've made the whole thing as straight forward as possible. This process (and witnessing the shambolic behaviour of the seller's conveyancer) has taught me that a good lawyer is priceless when moving! - Doreena H, London
"Hi Adam, many thanks for all your help in completing the sale. We were took aback how much detail you covered in a short time scale, would you also pass on our thanks to your team who we know worked hard on this." - Terry & Susan, Leeds West Yorkshire
“To Mark and Helen, Thank you so much to you both for making all our legal needs go so smoothly! Best wishes Clare & Jane”