Remortgage options

Some of our remortgage products come with a choice of either a remortgage transfer service (RMTS) or cashback.


These are to help you with the costs of moving your mortgage from another lender to us. 

Remortgage transfer service

Our remortgage service takes care of all the standard legal work involved with changing mortgage lenders, for example, carrying out Land Registry searches and preparing the mortgage deed. We offer this with many of our mortgages – ask us (or your financial advisor) if it’s included with yours. In addition to this, we’ll arrange a valuation up to £670 (£700 for a Buy to Let mortgage).

What’s included in the remortgage package?

Standard legal work


A conveyancer from our approved panel will take care of the standard legal work involved with changing lenders. They’ll:

  • Check that the property provides good security for your new mortgage
  • Carry out Land Registry searches
  • Prepare the mortgage deed
  • Prepare any non‐owner occupier forms (so we know about anyone aged 17 or over who lives in the property but isn’t on the mortgage)
  • Apply for a redemption statement from your existing mortgage lender, if you have one
  • Prepare a financial statement for completion of your new mortgage
  • Arrange repayment (‘redemption’) of your current mortgage
  • Register your new mortgage with the Land Registry (up to a maximum of £30 is covered by us, anything charged above this will be your responsibility to pay).

What's not included in the remortgage package?

If there are any other legal services you need that aren’t included, you can use our conveyancer or your own. Your conveyancer will tell you if there’s anything else you’re likely to need and how much it’ll cost – you’ll need to pay them directly.

Other services could be to:

  • Resolve title issues or anomalies – for example, shared ownership, matrimonial home rights or other restrictions
  • Correct errors in the owner’s name to allow the mortgage to be registered at the Land Registry
  • Arrange for change of ownership, also called ‘transfer of equity’ – to make sure the correct name(s) are on the mortgage – and any costs involved, such as Stamp Duty Land Tax or other taxes
  • Apply for the first registration of title ‐ if the property is currently unregistered
  • Obtain landlord (freeholder’s) consent if needed ‐ if the property is leasehold
  • Certify your identification documents

What you’ll also be responsible for paying for:

  • Recorded delivery, special delivery or other non‐standard post services
  • Any same day bank transfer services, for example, to our solicitors, to existing lenders or to you
  • Any costs involved with repaying or postponing any second or subsequent loans secured on the property
  • The cost of returning any documents to you, such as pre‐registration deeds

Remortgage cashback

Some of our remortgage products come with the option to choose cashback instead of our remortgage transfer service to help cover any fees as part of moving your mortgage to us, for example conveyancing fees.

How do I choose the remortgage cashback option?

If the mortgage product you’ve selected states it includes a cashback option, you’ll be able to choose this during the application. Just let your (financial) advisor know this is your preferred option.

Do all products with a remortgage transfer service also have a cashback option?

Our cashback offer is only included on selected products. Please read the individual product details to see what's included.

When will I be paid the cashback?

We normally pay the cashback within 30 days following completion into the account you specified during the application process. If you’ve not received it after 30 days, please contact us. 

How will I be paid the cashback?

We’ll pay the cashback into the account you specified during the application. 

What can I use the cashback for?

It’s up to you. We’ve included it in our remortgage products to help you pay any fees for transferring the mortgage to us. 

Changing to a new deal vs remortgaging: What’s the difference? 

Our simple helpsheet will help you understand your options.

Download helpsheet

Contact us 

Call us on 0800 121 8899 and we'll see if we can find a mortgage that suits you. 

Want help?
Our help section is bursting with useful information. If you'd rather chat, just give us a call.


Call us on 0800 121 8899

Lines open
  • Mon-Fri 8am-7pm
  • Saturday 9am-2pm
  • Sunday & Bank holidays Closed
Call us

Want help?
Our help section is bursting with useful information. If you'd rather chat, just give us a call.


Call us on

0800 121 8899

Call us