Remortgaging your Home
Commercial property is a vital part of our community.
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.
Really helpful and friendly always replied to calls and emails. Thank you very much for all your help and advice and hard work.Mr S, Auchinleck
First class throughout 100% better than last time we moved house and used a different firm. Always responded to promptly with appropriate detailed replies. First ClassMr N, Ayr
Thank you for the support during a difficult time.Mrs M, Ayr
Every email was timely and actioned quickly. Kirsty and Libby were exceptional to deal with. They kept me informed in a timely manner with the added complication of our sale being carried out whilst we are currently based in America.Anon.
My emails were always responded to in a timely manner no matter who I was dealing with. Thank you to Nat and Kirsty who helped throughout our move and during some difficult times when lock down was first announced! They have both been great.Miss K, Dalry
Everything was done extremely professionally.Mrs G, Ayr
Very happy with the way my case has been dealt with despite working restrictions due covid 19 - thank you. Calls & emails always responded to within reasonable timescale. Very impressed with lawyers and staff I have dealt with during current case and previous divorce case very friendly and efficient.Mrs H, Ayr
All very prompt, efficient, clear, friendly and personable. Not overwhelming with legal jargon. Many thanks for making the process of setting up a will so straightforward.Mrs D, Troon
We required our Wills to be amended and that was done without any problems whatsoever.Mrs F, Ayr
Very business-like and helpfulMr M, Ayr
I was very impressed with the professionalism shown by all members of staff I had any dealing with. All calls and emails were relevant to the sale of my flat. All questions I had were dealt with at the time. For any further legal matters I will certainly be using The McKinstry CompanyMr H, Ayr
Excellent service most happy with attentiveness and customer service.Mr F, Condorrat
Nat & Libby efficiently dealt with every question I had.Mrs K, Ayr
Kirsty understood our weird schedule when we were often 8 hours behind UK time, and simplified things for us by liaising via email. She was extremely approachable and dependable. In Kirsty’s absence, Jodie and Nathaniel would step in and communicate with us, and were very helpful too.Mrs N, Ayr
Great service and always on hand to answer our questions. Prompt and efficient response.Mr H, Ferniegair
Questions and communication were answered promptlyMr W, Sinclairston
Speaking from my own personal experience I was perfectly happy with the service I received. Everything was done to my satisfaction.Mrs I, Largs
Very efficient, timely and very mannerly on the phoneMr McN, Mauchline
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 caseS 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 requirementsMr R, Ayr
The whole process was handled with upmost professionalism throughout.Mr McN, Kilwinning