Mortgages & Re-Mortgages

We have systems in place to process volume work quickly and cost effectively for clients. We work with clients to match their processes, needs and requirements with our own systems to facilitate electronic communication of instructions. Clients (lenders, borrowers and guarantors) are given advice in relation to the many aspects of this area of law:-

  • mortgage documentation (including execution and validity of deeds)
  • mortgage/remortgage transactions (including Second Charges)
  • equity release
  • transfers of equity
  • buy to let mortgages (including advice on landlord and tenant and rent control issues)
  • priorities
  • registration procedures including compulsory first registration
  • solicitors (conflict of interest) regulations and general conflicts
  • shared ownership rights
  • housing law
  • transfers of mortgage portfolios
  • insolvency advice and checks
  • repossessions

We work closely with the firm’s Banking Unit in relation to securitisation/transfers of mortgage portfolios) and with the firm’s litigation department in relation to repossessions enforcement of security.

The firm’s clients include Mortgage Express, Abbey, DB Mortgages, Standard Life Bank Limited, Bank of Ireland UK Financial Services, Scottish Widows Bank, Citifinancial Bradford & Bingley and others.