A law firm for life

Remortgaging your Home

At The McKinstry Company, we are experts in property law. We have an experienced, diligent team specialising in residential and commercial conveyancing. We know that our clients see us as a law firm for life, able to advise them as their needs change. We can help you every step of the way in your property journey – from assisting you in purchasing your first home, to remortgaging later in life.

Below we outline the key steps in the remortgaging process. If this is something you are considering, please do not hesitate to get in touch. Our team are on hand, ready and willing to assist you.

Experienced Property Solicitors in Ayrshire & Dumfries and Galloway

Remortgaging can be an excellent way to save money or to release some of the equity in your home to allow you to pursue a particular project. It may be that you are looking to carry out some home renovations and you would like to access some extra funding by remortgaging. Alternatively, you may wish to remortgage to get a better mortgage rate or deal, cutting down your monthly repayments. The reasons for remortgaging can be varied, but the overall principles which apply remain the same.

It is important first of all that you seek independent advice. This may involve speaking to a mortgage adviser. You should also speak to one of our solicitors. We are able to explain the legal steps involved – from discharging your current mortgage (known in Scotland as a standard security) to registering the new standard security against your property. The process will involve preparing certain documentation, liaising with your current lender and dealing with any new mortgage provider. It is important that you have a professional team on board who you can trust to handle the day to day administration of the process. They can also advise you on the fees charged by the Registers of Scotland when discharging and registering the standard securities against your property. From the outset, they can help you understand the financial consequences of your decision and guide you through the process.

At The McKinstry Company, our team of experts are familiar with the remortgaging process and liaising with lenders – they can absorb the administrative burden of the process for you while keeping you up to date every step of the way.

Get in Touch

At The McKinstry Company, we put our clients at the heart of our work. As a firm we never lose sight of the importance of the client and the outcome which the client seeks from us.

Our goal is to generate and maintain strong and lasting client relationships rather than a transactional approach to the work which we undertake. We are a law firm for life and will work with you as your family and finances change, to ensure that you receive the best possible legal advice.

If you want to learn more about remortgaging your property, get in touch today. You can contact us on 01292 281711 or via our online contact form. Our friendly and dedicated team are here to help you.

Ayr Sandgate

Queen’s Court House
39 Sandgate
Ayr, Ayrshire

  • Disability access
  • Parking close by


146-148 Dalrymple Street
Girvan, Ayrshire
KA26 9BQ

  • Disability access
  • Parking close by
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Some of our happy clients
  • The service was superb.  Kirsty and team were extremely helpful.

    Mr and Mrs R, Ayr
  • First class service from start till finish. Always there to give help and advice.

    Mr R, Ayr
  • Great service and advice from a good professional company.

    Mr R, Kilmarnock
  • Excellent, very friendly and professional. I will be using you for all my property transactions in the future!

    Mrs S, Godstone
  • My case was handled sensitively and smoothly.

    Mr N, Ayr
  • Everyone concerned in the sale of our property was very efficient and kept us up to date with all happenings.

    D Ferguy, Cookstown
  • Great service.  Would recommend you to others.

    Mr S, Kirkmichael
  • Communication was always available when required. Made me feel confident throughout the process.

    Mr L, Ayr
  • Always replied or phoned back when I needed my questions answered.

    Miss McF, Patna
  • A very prompt and friendly service, a pleasure to deal with.

    Mr R, Aberdeen
  • Robert was very supportive.

    M Carruthers, Kilmarnock.
  • Great, Rebecca was very pleasant to deal with and went out of her way to help with our case

    S Everett, Kilbarchan
  • The solicitor / paralegal I was dealing with was very professional and performed to a high standard. I was very impressed.

    B Ferguson, Methil
  • Local firm, word of mouth good reports.

    K Rooney, Glasgow
  • All queries were dealt with in a prompt and professional manner and I was kept informed of progress as events developed. Thank you very much for making a difficult situation much easier to deal with.

    Mrs McG, Ayr
  • Communication via telephone and email was regular, prompt and comprehensive. All queries and questions were answered with no delays or problems. My experience with the McKinstry Company was pleasant and smooth.

    Mr McK, Ayr
  • My family and I received excellent service from everyone with whom we had contact. The service was of the highest standard and, as I have in the past, I will continue to recommend the company to anyone seeking legal assistance.

    Mrs S, Ayr
  • All emails and calls were dealt with promptly. Very impressed. Very very pleased with service.

    Mr and Mrs H, Hull
  • I enjoy the friendly atmosphere. Very professional.

    Mrs A, Ayr
  • Mr Honeyman was very professional and knowledgeable which made us feel reassured. Very happy with the service and if I needed a solicitor again I would get in touch.

    Mr B, Ardrossan
  • Prompt quick efficient communication.

    Mrs K, Cumnock
  • Ease of making appointments and timescale for completion of business all good.

    Mr & Mrs T, Maybole
  • Gave reassurance and comfort at a stressful time. I felt ten times better after our first meeting and support provided ultimately exceeded my desired outcome.

    Mr N, Saltcoats
  • The supportive way that the advice was provided along with the willingness to fit appointments in with our requirements

    Mr R, Ayr
  • The whole process was handled with upmost professionalism throughout.

    Mr McN, Kilwinning