SPECIALIST LEGAL TEAMS
Remortgaging & Property Refinancing
Are you remortgaging your home or refinancing a property? Early legal advice can help you prepare, avoid delays and keep the transaction moving. Our remortgaging and property refinancing resources offer clear, practical guidance. They are designed for homeowners, landlords, property investors, businesses and professional advisers. Specialists from Bright Solicitors’ Residential Property, Investment Property and Commercial Property teams share their experience through articles, videos and case studies.
Why is 2027 a key time for Remortgaging & Refinancing Properties?
Many home and property owners who agreed five-year fixed-rate mortgages during 2021 and early 2022 will reach the end of those deals in 2027. Bank of England data shows that average quoted five-year fixed rates at 75% loan-to-value were below 2% in early 2022, before rising during the year. As a result, some borrowers may be refinancing in a very different interest-rate environment.
Reviewing your position early can give you more time to understand your options, prepare the required information and address any legal issues that could delay completion. The same need to plan ahead applies to landlords, property investors and businesses. Refinancing may involve more than replacing one loan with another. Title issues, valuations, lender requirements, leases, company structures and existing charges may all need to be considered.
REMORTGAGING & PROPERTY REFINANCING
Guidance
Whether you are planning ahead or already preparing to refinance, understanding the legal process can help you avoid delays and make informed decisions. Our practical resources explain:
• what the legal remortgage process involves;
• when to begin preparing;
• the information and documents you may need;
• how residential, investment and commercial refinancing can differ;
• common complications that can delay a transaction;
• case studies of projects we have successfully completed;
• how early legal input can help keep the process moving.
REMORTGAGING & PROPERTY REFINANCING
Resources
Explore our latest guidance below. We regularly add articles, videos and case studies about residential remortgages, investment property refinancing and commercial property finance.
Links to the latest articles, videos and case studies case studies from our specialist teams will be added here.
REMORTGAGING & PROPERTY REFINANCING
How we can help
Our specialist legal teams support homeowners, landlords, property investors, businesses and professional advisers. We provide clear legal advice at every stage of the remortgaging and refinancing process. Planning a remortgage or property refinancing project? Contact our Remortgaging Teams via email below to discuss your plans and find out how we can help. Or call 01752 388883
Our Residential Property Team is led by our Managing Partner, Julie Milton and Partner, Annabelle O'Higgins who are experienced in advising individuals, families and property investors through a wide range of property transactions, including buying and selling homes, remortgages, transfers of equity, and leasehold matters.
Our Investment Property Team is led by our Associate, Jo Russell, an experienced specialist in purchase and conveyancing of investment properties(including HMOs and Buy To Let) which includes supporting on remortgaging and refinancing.
Our Commercial Property Team is led by our Partner, Georgia Jones, an experienced specialist solicitor advising businesses, developers, investors, lenders, landowners, charities and pension funds on a wide range of commercial property matters, including supporting on remortgaging and refinancing.
"More of a 'modern firm'... engaging, which is tailored to my market. Client-centric and effective"
DISCOVER OUR LATEST
