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Is it normal not to have your own legal representation for a remortgage?

Ddrago
Ddrago Posts: 37 Forumite
Fifth Anniversary 10 Posts
in Mortgages & endowments
Hi all
I'm quite far down the line with my 1st ever remortgage. I'm just about to return all the documentation to the solicitor which was appointed by the lender. I have just noticed that it mentions that the solicitor is acting for the lender only. I had naively assumed they were acting on my behalf.
My question is is this the normal way of doing a remortgage?

Thanks in advance

Comments

  • amnblog
    amnblog Posts: 12,761 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Yes, it it normal. The Solicitor is removing the current mortgage and putting in place a new one in the name of the new Lender.
    I am a Mortgage Broker

    You should note that this site doesn't check my status as a Mortgage Broker, so you need to take my word for it. This signature is here as I follow MSE's Mortgage Adviser Code of Conduct. Any posts on here are for information and discussion purposes only and shouldn't be seen as financial advice.
  • Ddrago
    Ddrago Posts: 37 Forumite
    Fifth Anniversary 10 Posts
    Thanks for the reply.
    So you wouldn't normally go and get your own legal representation for a remortgage?
  • -taff
    -taff Posts: 15,388 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    You might employ a broker...
    Non me fac calcitrare tuum culi
  • Ddrago
    Ddrago Posts: 37 Forumite
    Fifth Anniversary 10 Posts
    I should've mentioned that I'm not staying with my surtrnt lender hence why I thought it may have been normal to have legal representation when moving to a new lender
    Thanks
  • AnotherJoe
    AnotherJoe Posts: 19,622 Forumite
    10,000 Posts Fifth Anniversary Name Dropper Photogenic
    I know my daughter didn't the last 2 times she remortgaged.
  • Thrugelmir
    Thrugelmir Posts: 89,546 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Ddrago wrote: »
    Thanks for the reply.
    So you wouldn't normally go and get your own legal representation for a remortgage?

    For what purpose. Nothing is changing except for the lender who is financing the purchase. Which is your decision.
  • comeandgo
    comeandgo Posts: 5,930 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    I have never used a lawyer or broker when remortgaging, just did it all myself.
This discussion has been closed.
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