No charge for most remortgages
If you're moving your mortgage to Skipton but not moving home, then you won't usually have to pay anything for the legal costs involved. In other words it's free to you because we pay the standard legal costs†.
Please be aware that some legal work relating to matters not usually involved in a standard remortgage (eg transfers of equity or deeds of postponement) are not included in this offer. The conveyancers will offer fixed prices for certain “elevated services”. Please ask your mortgage adviser for further details.
Occasionally we may offer certain products with other benefits where we do not pay the legal costs. If this is the case, your mortgage adviser will have full details. Some payments to third parties may still have to be paid. Please read notes 1 and 2 for a full explanation.
No time-consuming visits
You won't have to use your lunch hours visiting your conveyancer, as they'll keep in touch with you by phone and post. What's more, they're only ever a phone call away should you have any questions.
No completion, no charge
If at any time your transaction falls through, then you won't have to pay any legal fees. Some payments to third parties or which relate to matters not usually involved in a remortgage may still have to be paid. Please read Important Notes for a full explanation.
Your legal adviser
For your peace of mind, an experienced and well respected firm, Walker Laird, is used in the Skipton Home Conveyancing Service.
Find out more
To take advantage of the Skipton Home Conveyancing Service for remortgages in Scotland all you have to do is visit your local Skipton branch or call 08457 171 777*.
Important Notes
The Skipton Home Conveyancing Service is only available where you choose to jointly instruct the Society's recommended conveyancer, as these fees have been specially negotiated with them. The remortgage work is undertaken by the conveyancers on a 'reduced title check' basis which Skipton considers is sufficient to assess its security. If for any reason you wish the conveyancers to carry out a full title check on your behalf they can do so but any additional costs involved are payable by you. Remortgages of part built properties are excluded from the fixed price offer. We comply with the 1991 Practice Rules (Fee Sharing Rules) published by the Law Society of Scotland and any conveyancer to whom we may refer you is an independent professional from whom you will receive impartial and confidential advice. You are free to choose your own conveyancer if you prefer.
- Free legal fees for remortgages refers to the Society’s legal fees and disbursements in connection with the taking of a standard security which are usually payable by the borrower. Any fees or disbursements incurred which do not relate to the standard security eg first registration of title, correction of title defects, dealing with any legal or beneficial interests (other than granting a standard security) are payable by you. If you are aware that any of these may apply, please ask your adviser to ask your conveyancer for details of fees which may apply. The conveyancer may not be able to give definite cost figures without examining the legal title.
- Any fees payable to an existing lender (eg deeds production fees or early repayment charges) are payable by you. If you have a leasehold property and a fee has to be paid to a management company or landlord for information, then this will be payable by you.
- A £25 CHAPS fee will be payable on release of the mortgage loan, and product fees such as application and/or completion fees may be payable.
- If the loan is above £500,000 some additional fees may be payable by you.