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Lending Pricing Information

Lending Pricing Information

Our fees are structured centrally by the lender and these are, in most cases, available on the lender’s website and via the mortgage intermediary.

We split our work so that specialist people work on various areas of the transaction, as well as people who are used to working alongside particular lenders. Our Onboarding team will be the first people you encounter and they will be introduced to you at the outset. The advice on the matter will always be supervised by a specialist lending solicitor.

Click here for more information about our team, their qualifications, experience, and details of their supervisors.

Stages of the process: remortgage

The stages involved in your re-mortgage vary according to the circumstances. However, below are some key stages to your re-mortgage that may take place:

  • Writing to the existing mortgage lender to request a redemption statement (this shows how much of your current mortgage is owing)
  • Obtaining up to date title entries from the Land Registry, and carrying out searches
  • Reviewing your title and the searches
  • If your property is leasehold we will contact your freeholder or managing agent to tackle required queries
  • Review the mortgage offer, advise you on the terms and check the net mortgage advance is enough to redeem your current mortgage
  • Request a final redemption statement from your existing mortgage lender
  • Carry out searches on your title prior to completion to ensure no notices have been recorded
  • Request your new mortgage lender to send us monies to complete your re-mortgage
  • Redeem (pay off) your existing mortgage
  • Register the new mortgage against the title to your property.

Stages of the process: purchase

The stages involved in the purchase of a residential property vary according to the circumstances. However, below are some key stages to your purchase that may take place:

  • Take your instructions and give you initial advice
  • Receive and advise on title and the transaction documents
  • Carry out searches
  • Obtain further planning and other documentation, if required
  • Make enquiries of seller’s solicitor
  • Give you advice on all documents and information received
  • Go through conditions of mortgage offer with you
  • Send agreed contract to you for signature
  • Agree transfer
  • Advise you on joint ownership
  • Obtain pre-completion searches
  • Agree completion date (date from which you own the property)
  • Exchange contracts and notify you that this has happened
  • Arrange for all monies needed to be received from lender and you
  • Complete purchase
  • Deal with payment of Stamp Duty/Land Tax
  • Deal with application for registration at Land Registry.

FAQs

Below are some questions that we are frequently asked by clients who require details of Pricing Information from our Lending team.

Sometimes, additional work is required that cannot be known at the outset. For example, if a lease extension is required, if alterations have been made to the property without the necessary consents, if parties do not have the necessary paperwork or funding, if indemnity insurance is required. This will impact on the time spent and overall cost. If this is the case, we will let you know as soon as we become aware of it.

We will add VAT to our fees at the rate in force at the date of our invoices (at the current rate of 20%).

Please click here to view details of our Lending Pricing Information.

How long it will take to complete your transaction will depend on a number of factors. The average process takes between 4-8 weeks for a remortgage, and 16-20 weeks for a purchase (this department does not handle sales). It can be quicker or slower depending on the requirements of the seller, chain, lender and the complexity of the matter.

In the interests of price transparency, we will give you a fixed estimate of costs for conveyancing the outset of the transaction. The fee tables for each of our lender clients are available here.

Where your lender is not shown, then our standard Residential Conveyancing fee scales apply. These can be found here.

Disbursements are costs related to your matter that are payable to third parties, such as Land Registry fees in respect of title information or in respect of obtaining other information needed to provide to the new lender, searches and bank transfer fees. We handle the payment of the disbursements on your behalf to ensure a smoother process but may require money to be paid to us in advance from you in order to do so.

Land Registry

The Land Registry application fees vary according to the value of the property. The Land Registry website provides registration fees information at www.gov.uk/topic/land-registration/data. We will advise you what your registration fee is based on your purchase price.

Stamp Duty

The amount payable to HMRC will vary according to the purchase price of your property, who is buying the property and whether you own property already. We will advise you what your tax due is based on your purchase price and other circumstances. There is also a SDLT calculator available on the HMRC website: www.tax.service.gov.uk/calculate-stamp-duty-land-tax 

Please click here to view details of our Lending Fee Tables.

Contact the team

Here's how to get in touch if you have any questions at all or would like to speak to us about your enquiry. Please complete the form below and one of our experts will get in touch to discuss how we can help.

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What our clients say...

“We were on an extremely tight deadline to get a re-mortgage over the line and Alisha worked tirelessly to ensure this happened.

“Can't thank her enough and would highly recommend.”

Lending client, August 2026

“They were really helpful and patient and special thanks to Alisha she was easy to talk to and was always available to make things clear and her colleague Julian that stepped in while Alisha was away, he was reassuring and I felt like they were on my side.

“I would definitely recommend and return on the next one :)”

Lending client, August 2026

"If you are transferring your property into a LTD company, please let me save you the 3 days we spent calling solicitors up and down the UK.

"Julian and his team have developed a fast track protocol and offered us a solution no-one else in the market offered. It was faster and smarter than anything else we were offered."

Lending client - June 2026

"Julian and his team were impeccable. Emails answered rapidly (no 48 hour SLAs), direct phone numbers provided to solicitors (not only trainees), lots of experience within the management team who make themselves accessible when needed."

Lending client - June 2026

TWM were great to work with from being referred to them to completion. I had Dana Grynwald as my solicitor. She kept me informed of progress daily and made me aware of any additional documentation needed. The whole experience was very good.

Trustpilot Review - April 2026

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