Mortgages & Re-mortgages

Our fees for dealing with the formalities of the new mortgage over your current home are:

Re-mortgage – Freehold and Leasehold

£675 plus VAT

Re-mortgage – Buy to Let

£750 plus VAT

Search fees

Our standard search packs include:

  • Local Authority Search
  • Water and Drainage Search
  • Environmental Search

The cost of the search pack depends upon whether the Administrative Area within which the property you are buying is situated.

Searches are subject to VAT and example costs are provided below:

Administrative Area Price
South Hams District Council £250.48
Cornwall Council £362.67
Plymouth City Council £255.42
West Devon Borough Council £250.48
Additional searches
Mining search £50 + VAT

Worked Example of fees and expenditures

Using the information above you can estimate the total sum applicable to your transaction. It is also easy to obtain a specific quote by contacting our Client Services team by calling 01752 643995 or emailing

Re-mortgage of a freehold property by an individual in Plymouth valued at £150,000

Standard legal fee £615.00
Search fees Plymouth City Council £255.42
HM Land Registry registration fee £95.00
Pre-completion search fee payable to HM Land Registry £3.00
Bankruptcy search fee (single name) £2.00
Electronic money transfer fee (to redeem the existing mortgage) £35.00
VAT payable £182.08
Total costs £1187.50

The work involved is to check that the title to your property, which is to secure payment of the mortgage debt, is good and marketable and includes:

  • Examination of the title to the property
  • Obtaining all relevant searches
  • Making enquiry as to any alterations or changes you may have made to the Property and obtaining copies of all relevant consents and compliance certificates
  • Addressing the general and specific requirements of your mortgage lender (if applicable) and reporting to your Lender
  • Checking your existing insurance arrangements are acceptable to your lender
  • Redeeming any existing charges registered against the property
  • Undertaking all appropriate due diligence
  • Serving notice of the new mortgage on your Landlord or their agent/freehold management company (leasehold only)

Get in touch to discuss how we can help you by calling 01752 643995.

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