Home to Caerphilly Castle, one of the largest castles in Britain, and long associated with the crumbly cheese that shares its name. Comparing itemised quotes for a move in Caerphilly makes it easier to see exactly what a firm is charging for, rather than one bundled figure. Property transactions in Caerphilly are taxed under Land Transaction Tax rather than the Stamp Duty Land Tax charged in England, so make sure any quote you compare reflects that.
Remortgaging is usually the quickest transaction type, since there's no chain and you're not changing who owns the property — your conveyancer is mainly confirming the title is clear and handling the switch from your old lender's charge to your new one.
Why do I need a conveyancer to remortgage?
Moving your mortgage to a new lender means the new lender needs to register a charge against the property and your existing lender's charge needs to be removed — a legal change to the title at HM Land Registry that a conveyancer has to handle, not just your mortgage broker.
How long does a remortgage take?
Usually a matter of weeks rather than months, since there's no chain, no seller's solicitor to coordinate with, and often no need for fresh searches if you already have suitable indemnity or recent search results.
What can slow a remortgage down?
A leasehold property where the new lender wants updated information from the management company, a Help to Buy equity loan that needs redeeming or updating, or delays in your existing lender confirming the redemption figure.
Are remortgage legal fees cheaper than buying?
Usually, yes — there's less work involved than a full purchase, but firms still vary in what they charge and which disbursements they pass on, so it's still worth comparing itemised quotes rather than assuming a headline figure covers everything.
Other services in Caerphilly
Remortgaging in other parts of Caerphilly
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