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.