Mortgages & Remortgages

Specialist Mortgage and Remortgage Solicitors

If you are purchasing a property, it is likely you will need a mortgage to help fund the purchase. Once you have a mortgage offer and have had an offer accepted to buy a property, your mortgage provider will want to check that there are no problems with the property or the title. They will insist on having a mortgage conveyancing solicitor deal with this.

At Hart Brown, we are on many of the mortgage lender panels so, as well as helping you with your purchase, we will also act for your lender in putting their mortgage in place on your new home. By enlisting the help of our award winning mortgage solicitors, the lender does not have to instruct a separate solicitor, saving you both time and money. Our experts can provide independent legal advice for mortgage and remortgage conveyancing services if required (subject to being on your chosen lender’s panel).

As well as being on all the major lender panels, we also offer the following services:

  • Independent legal advice (if you need to secure a loan against your home, or you co-own a home that is being used as security);
  • Occupier’s consent advice (if you are an occupier of a property, but not a party to the mortgage);
  • Independent legal advice for guarantors (if you are standing as guarantor, to stand in place of a borrower should the borrower default on the loan).

If you need to secure a loan against your home, or you co-own a home that is being used as security, you will need to take independent legal advice. Our mortgage conveyancing solicitors will help you understand the risks involved in this type of arrangement and make informed decisions throughout the process.

Tailored mortgage legal advice

If you are an occupier of a property, but not party to the mortgage, our mortgage solicitors can provide you with the advice you need on whether you have an interest in the property and the effect of the mortgage on such interest. You may be required to sign a deed of consent or postponement so that the lender’s rights are ahead of yours.

Occasionally, a lender will require another person to guarantee the loan. The role of the guarantor is to stand in the place of the borrower should the borrower default on the loan. If you have agreed to act as a guarantor, our mortgage solicitors will take the time to help you understand the risks involved and the options available to you as part of our conveyancing services.

If you are loaning someone money to purchase a house, you should have a loan agreement drawn up by a solicitor. Our property experts will explain the implications of lending the money and will draft loan agreements and legal charges if appropriate.

To discuss your mortgage with one of our mortgage conveyancing specialists, please contact us on 01483 887766, email us or start a live chat today.

Talk to a Legal Expert Today

Lawrence Stolworthy- Partner, Head of Residential Property

Lawrence Stolworthy

Partner, Head of Residential Property

Lawrence Stolworthy- Partner, Head of Residential Property

Partner, Head of Residential Property

Lawrence Stolworthy

Lawrence is a Partner based in the Guildford office, and he is also Head of the Residential Property team at Hart Brown LLP.

Lawrence qualified as a solicitor in 2001 and has extensive experience in a broad range of residential property work, including very high value transactional work and acquisitions for international investor clients. He also has considerable experience in dealing with property work originating from, or ancillary to, private client matters and family/matrimonial matters.

He is committed to providing a proactive, friendly and positive approach and he strives to communicate clearly and effectively with all those involved in the transactions he deals with in order to achieve the best outcome for his clients. He endeavours to find pragmatic and commercially viable solutions to problems wherever possible.

What do Lawrence's clients say?

"We have worked with Hart Brown on a number of occasions and have been consistently impressed by their attention to detail, efficiency, and client-focused approach. Lawrence Stolworthy has provided exceptional guidance throughout every stage of our property transactions, ensuring the process was smooth, transparent, and stress-free. His professionalism, clear communication, and deep understanding of the property market truly set him, and Hart Brown, apart."

"Lawrence Stolworthy was brilliant from start to finish. We had a very difficult residential purchase, taking over a year from offer acceptance to completion, but Lawrence was faultless. He was pro-active throughout, approachable, clear and helpful in his advice. We are grateful to have worked with him and only have positive things to say."

"We cannot recommend Lawrence Stolworthy highly enough. His kind manner, attention to detail, patience, dedication and efficiency have made what could have been a stressful period absolutely seamless. Lawrence took the time to really understand our specific needs and his advice was always with this in mind and always very timely."

"Lawrence is incredible at his job. Very diligent, personable and efficient. He has always gone the extra mile in the two instances that I have worked with him - making the process smooth and easy wherever possible and anticipating my needs."

    Debbie Beswick Partner, Residential Property

    Debbie Beswick

    Partner, Residential Property

    Debbie Beswick Partner, Residential Property

    Partner, Residential Property

    Debbie Beswick

    Debbie, who is a Partner, specialises in residential property. After joining Hart Brown in 1984 she quickly progressed through the ranks qualifying as a Legal Executive in 1996. She was admitted to the Fellowship in 1997. Debbie is well known in the Godalming area and receives high praise both from clients and agents who come back to her time and time again.

    Her most memorable case was the purchase of a property for clients who were looking for a quick turnaround. It was a mere 3 working days from instructions to exchange of contracts.

    Debbie often receives excellent feedback from her clients, here are just a few of their statements:

    "This is the second time we've used Debbie at Hart Brown, and yet again she has given us fantastic service. Shall certainly be using you again."

    "It's a quick, efficient and friendly service - just right for the somewhat fraught process of buying and selling property."

    "We had our smoothest sale ever thanks to Debbie Beswick."

    "Second time we've used you, second time we've been impressed."

      Jeremy Jupp- Partner, Residential Property

      Jeremy Jupp

      Partner, Residential Property

      Jeremy Jupp- Partner, Residential Property

      Partner, Residential Property

      Jeremy Jupp

      Jeremy has extensive knowledge in Residential Property. He qualified in 1992 as has worked for the last 25 years in various locations across Surrey, including Guildford, Godalming, Woking and now Cranleigh.

      He is committed to providing a proactive, friendly and positive approach, with nearly 30 years’ experience as a residential property specialist. Jeremy strives to communicate clearly and effectively with all those involved in transactions he deals with, in order to achieve the best outcome for his clients. He endeavours to find pragmatic solutions to problems wherever possible.

      Jeremy believes in building up a strong relationship with his clients in order to understand their aims and needs, and work with them to achieve these so far as possible.

      Memorable cases Jeremy has worked on include completing a purchase within a week from instruction where his client was given a great incentive on a new build property if he completed that quickly.

      Another involved the sale of a property where a Local Authority had acquired a strip of land along the frontage in the 1960s for potential road widening. They had granted a license over the land in exchange. The road widening never took place and the scheme had been abandoned, however, the buyers’ solicitors were not happy with the license arrangement that remained in place. Jeremy drafted a conditional contract clause which gave his client 9 months to resolve the issue with the Local Authority and to pay any premium agreed out of the exchange deposit. After lengthy negotiations with the Local Authority which involved taking Counsel’s Opinion in relation to the status of the license, an agreement was reached with the Local Authority just in time to enable him to give notice to the buyers’ solicitors to complete the sale.

      What do Jeremy's clients say?

      "We had a first class experience with Jeremy Jupp in the Cranleigh office of Hart Brown Solictors. What should have been a simple sale and purchase turned in to something much more complex due to Land Registry and probate issues and as a result we changed tack at the eleventh hour for a different property. Jeremy then worked at break neck speed to get us in to said property in record time. He was an absolute pleasure to deal with, very patient with all our queries and questions and I wouldn’t hesitate to recommend him and his team."

      "Jeremy Jupp of Hart Brown Solicitors of Cranleigh was very efficient and professional. We would highly recommend him."

      "Excellent service, very helpful and went the extra bit to help. Jeremy is very knowledgeable and between him and his secretaries they kept me well informed and up to date throughout the very long and difficult process. Highly recommend this team."

        Peter Howe- Associate, Residential Property

        Peter Howe

        Partner, Residential Property

        Peter Howe- Associate, Residential Property

        Partner, Residential Property

        Peter Howe

        Peter’s specialism is residential property.

        Peter qualified as a Solicitor in 1991 and worked for a number of firms as a locum before joining Hart Brown in 2000. Peter was promoted to Partner in 2025.

        Peter's experience as a locum gave him a good insight into the kind of firm that he wanted to settle down in. “It is amazing how different firms are in terms of the service they offer their clients” says Peter.

        Peter receives excellent feedback from his clients:

        "We would like to thank you very much for acting for us in this matter...we have been impressed with your timely and straightforward handling of the various stages of the process and your effective dealing with any issues arising. Once again thank you very much – it has been a pleasure doing business with you."

        "I found all my dealings with Peter Howe very useful, he is very down to earth and explained and answered all my queries very clearly, which took away a lot of the stress. Thank you."

          Nitasha Thapar- Senior Solicitor, Residential Property

          Nitasha Thapar

          Senior Associate, Residential Property

          Nitasha Thapar- Senior Solicitor, Residential Property

          Senior Associate, Residential Property

          Nitasha Thapar

          Nitasha is a Senior Associate and holder of an LLB (Hons.), with over 16 years’ experience dealing with a broad range of legal matters. She has been a Solicitor for over 14 years, having qualified in 2011 and she specializes in Residential Conveyancing.

          Nitasha has widespread knowledge of sales and purchases of freehold and leasehold properties, buy to let investment properties, transfers of equity, re-mortgages, right to buy schemes, new build purchases and equity release transactions.

          Nitasha’s clientele ranges from first time buyers, property investors, corporate and individual clients from the UK and abroad, together with high net worth individuals.

          Nitasha fully understands how stressful moving home can be, so she prides herself on providing a personal level of service with effective communication throughout the transaction in order to make each client's experience a positive one.

            Rosie Taylor

            Associate, Residential Property

            Associate, Residential Property

            Rosie Taylor

            Rosie specialises in residential property, with experience acting for individuals in all aspects of conveyancing including freehold and leasehold sales, purchases, re-mortgages, transfers of equity, matrimonial transfers, equity release and shared ownership.

            Rosie qualified as a solicitor in 2004, initially practising in family law for 3 years and has specialised in residential property since 2007.

            Rosie has a 2:1 BMus (Hons) music degree from The University of Sheffield but went onto obtain commendations for both the PgDL and LPC from the College of Law, Guildford after deciding to pursue a career in law.

            Outside of work, Rosie enjoys running and has completed numerous trail and road running events including 3 marathons.

            What do clients say?

            "Thank you very much for all your hard work on our sale and our purchase. It was great working with you, and thank you for looking after us so well. We'll be sure to recommend you to friends & family."

            "You have been absolutely extraordinary throughout this whole process and have been a huge source of reassurance and support. THANK YOU!"

            "We are both enormously grateful to you for the care, kindness, level-headedness and skill which you showed us during this purchase. Thank you so very much for all your hard work - we’re delighted."

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