Mortgage
How we help
Mortgages are a big deal, but why make them hard work?
Have you dealt with lenders or solicitors before? Did you find the whole process drawn-out and confusing?
Well, it doesn’t have to be. With Clear Conveyancing, you can relax while we handle the details with a smile! We keep things clear, coordinate with your Lender, and explain each step to you in plain English so you are never left in the dark. Just steady progress that gives you confidence your plans are on track. Wouldn't that be nice?
What we do for you
- Open your file and get moving: Verify ID, check the title, and request any info we need to get the ball rolling.
- Coordinate with your lender: Report on title, satisfy offer conditions, and line up funds for completion. Where the lender allows it, we may use search indemnity insurance to help move things along quicker for you.
- Redeem your old mortgage: Obtain a redemption statement, complete, and ensure your previous loan is discharged.
- Register the new mortgage: Submit an application to the Land Registry to formally update your deeds. We will later send confirmation, once the Land Registry have done their bit.
- Leasehold extras handled: serve any required notice of charge or landlord certificates so post-completion doesn’t hold you up.
- Occupier consents: where needed, we’ll arrange signed occupier consent forms for anyone aged 17+ who lives at the property but isn’t a borrower.
-
Stamp Duty check (if ownership is changing): re-mortgages alone don’t trigger Stamp Duty, but a transfer of equity might if there is cash changing hands or someone takes on part of a mortgage. We will confirm and file a tax return if needed.
Why people choose Clear
- Speed with substance: we are super on it, proactively spotting issues and thinking up practical solutions before they become a problem.
- No chasing: clear, regular updates from us mean that you have no excuse to worry.
- Friendly and straight-talking: real humans, sometimes Dad jokes, but no legal waffle.
- End-to-end done right: lender liaison, redemption, registration, landlord notices, and (if needed) Stamp Duty will all be handled for you.
The mortgage journey, step by step
- Instruct us: quick onboarding and title review.
- Offer & conditions: we satisfy your Lender requirements and advise of an achievable timeline.
- Completion: funds drawdown, old loan redeemed, and you switch onto the new product.
- Post-completion: we file the Land Registry application and any notices: title update times vary with Registry workload.
Yes, it really is that simple with us!