Mortgage and
Re-Mortgage Advice

Looking to Mortgage or Re-Mortgage your property? You need to make sure you get the correct advice to ensure that you are protected.

If you require any advice or seek a quotation we are only a phone call or email away.  We are happy to discuss the details of any transaction free of charge and provide a no obligation fixed quotation for your conveyancing requirements.

Thank you for your swift and professional nature in dealing with my matter.
B.H.
Get A Free Quote

If you would like to receive a bespoke quotation for your transaction, please call us on 01629 582308 or you can enter the information online.

Whether you are based in Matlock, Wirksworth or anywhere across England and Wales we will be able to help. We have over 100-year history of helping the people of Derbyshire and the surrounding areas.


What is a Mortgage?

A mortgage is a loan which is taken out and secured against the value of a property. They usually run for a period around 25 years however this can be longer or shorter depending on the needs of the person taking out the mortgage or the requirements of the lender.

If you don’t keep up with the repayments of the mortgage the lender may repossess the property which the mortgage is secured and sell it to recover their money.

What is a Re-Mortgage?

Re-mortgaging is where you change your lender to either get a better deal, borrow more money or because your circumstances have changed.

If you are looking to re-mortgage your home, we can guide you through the process. We have acted for clients for over 100 years in property transactions. Our experts will guide you through and make is a simple and stress-free as possible.

How can we help?

Once we are instructed, we will liaise with the mortgage broker to confirm what is required. We will then obtain and review your title documents to your property. Our specialist will then check the mortgage and advise you on its effect.

We will also conduct the required legal searches.

Once both we are both satisfied, we can confirm to the lender the certificate of title who will complete the process.

The lender will normally send the money to us. We will then normally use the funds to pay off any existing mortgage. This is a process called redemption.

We will then transfer the balance to you. We will also register the mortgage with the land registry.

Free Guide

If you don’t know your leasehold from your freehold, then get our Free Conveyancing Guide. It contains details about the steps you will need to take with any property transactions. The Guide giving you detailed guidance on what your lawyer will be doing for you and what to look out for.


About Lovedays

Lovedays Solicitors, Potter and Co Solicitors and Andrew Macbeth Cash and Co Solicitors are the trading names of Derbyshire Legal Services Limited (Company Registration Number 08838592) whose registered office is at Lovedays Solicitors, Crown Chambers, 6 Bank Road, Matlock, Derbyshire, DE4 3AQ.

The Directors of Derbyshire Legal Services Limited are C.D.Gale and R.LL.Roberts. Our Notary Public, M.C. Handforth is regulated by the Faculty Office of the Archbishop of Canterbury. The Company is otherwise authorised and regulated by the Solicitors Regulation Authority whose rules can be accessed at www.sra.org.uk

Contact
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  • Crown Chambers
    6 Bank Road
    Matlock
    Derbyshire
    DE4 3AQ

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