Mortgage Lawyers & Mortgage Legal Advice

At Mounteney Solicitors, our Mortgage Solicitors provide expert Mortgage Legal Advice to clients across England and Wales. We help you register mortgages and legal charges quickly, correctly, and with full legal protection.

This service supports individuals, private lenders and businesses who need to register a mortgage or fixed charge against residential or commercial property. Our Mortgage Solicitors handle the full process of property mortgage registration with HM Land Registry or Companies House, making sure your financial arrangements are protected by law.

With over 20 years of experience in residential property law, we deliver practical advice and careful legal support throughout. We manage the preparation and registration of your mortgage documents, giving you peace of mind that the process is handled professionally and without delay.

Our service is led by Jonathan Mounteney, a qualified Solicitor and Licensed Conveyancer with over 30 years of experience. Jonathan founded Mounteney Solicitors in 2005 and has overseen thousands of successful property charge and mortgage registrations.

This service focuses solely on the legal registration of mortgages and fixed charges. It does not include advice on loan terms, property title investigations or third-party consents. Our wider legal teams are available to support you with those requirements where needed.

Mounteney Solicitors is regulated by both the Solicitors Regulation Authority (SRA) and the Council for Licensed Conveyancers (CLC). We are committed to delivering a service built on legal accuracy, client care and trusted mortgage legal advice.

To speak with one of our Mortgage Solicitors or to get started with your registration, contact us today and we’ll be happy to guide you through the next steps.

What are the Different Types of Mortgages?

Mortgages serve various purposes and come in different forms. Understanding these types can help individuals make informed decisions when choosing the right mortgage for their specific needs.

Residential

These are secured loans used to purchase residential properties, such as homes and condominiums. They are designed for individuals or families looking to own their primary residence.

Commercial

These loans are secured on properties that are used for business purposes, such as office buildings, retail spaces, and warehouses. They are tailored for entrepreneurs and business owners looking to invest in real estate for commercial activities.

Fixed-Rate

This type of mortgage offers a fixed interest rate for a specified period, providing borrowers with predictable monthly payments and protection against interest rate fluctuations.

Variable-Rate

With this type of mortgage, the interest rates can change over time based on market conditions. Borrowers should be aware of the potential for fluctuating monthly payments associated with variable-rate mortgages.

Interest-Only

These loans require borrowers to pay only the interest during the mortgage term, with the principal amount repaid at the end of the term. They can be suitable for individuals with irregular income or those anticipating a large sum of money in the future.

Buy-to-Let

Specifically designed for purchasing properties with the intention of renting them out, these mortgages cater to real estate investors who aim to generate rental income from their properties.

How can our Mortgage Solicitors Help?

Our team of Mortgage Solicitors is highly experienced in delivering a comprehensive service to ensure the legality of your mortgage or charge. We understand the critical nature of this process and approach it with utmost care and expertise.

When it comes to drafting the charge over your property to secure the legal obligation associated with your mortgage or fixed charge, we meticulously ensure precision and compliance with all legal requirements.

Additionally, our Mortgage Solicitors handle the registration process of the charge at HM Land Registry. In cases where the property is owned by a company, we also manage the registration at Companies House, ensuring full compliance with legal obligations.

While we do not partake in negotiating terms or title investigations, our primary focus is on the accurate drafting and submission of all legal documentation to provide you with the peace of mind and legal security you deserve.

If you need to talk to one of our Mortgage Solicitors, don’t hesitate to contact Mounteney Solicitors today. You can rely on our experienced team to handle your mortgage and property matters with care and clarity.

The production of the mortgage is a job that we can undertake in about an hour once we can schedule it in our workflow, that can depend on how busy we are at any particular time. We would not usually take-on a job for which we could not engage within about a working week.

A completed mortgage may then need to be submitted to HM Land Registry for registration. The time HM Land Registry takes to process such a registration varies greatly, depending on how busy they are. Some applications are processed very quickly, up to “next day”; however, most applications appear to languish awaiting HM Land Registry attention; in 2021 many applications were talking about 6 months to be registered – and some types of application can take even longer than that, unfortunately. However, once submitted HM Land Registry processes applications on any title in order of submission – so their delay ought not to affect the priority of your application relative to other matters on that title.

How Much will it Cost

Mortgage without a Loan

A ‘mortgage without a loan’ might arise where a legal charge is registered to secure obligations under a guarantee or business arrangement, even when no money is being transferred immediately. Your supplier is SRA-regulated Mounteney Solicitors, that charges VAT some customers may be able to reclaim.

Additional costs would include the HM Land Registry fee (approx): £30, and the Companies House registration fee: varies depending on structure.

There is more on our website about our fees.

If you have any questions, require any further information, or would like to engage us on the T&Cs linked Our Terms in the footer below, please don’t hesitate to Contact Us.

At Mounteney Solicitors, we take pride in our team of experienced Mortgage Solicitors and Remortgage Solicitors, who are dedicated to offering expert guidance and support throughout the legal process. Whether you’re an individual or a business entity, our solicitors in Stockport guarantee the legality and proper registration of your mortgage.

We have offices located in Bramhall, Cheadle, Hazel Grove and Heald Green. We regularly serve clients throughout the Stockport and Manchester area including Altrincham, Didsbury, Poynton, Wilmslow, Knutsford and Sale. We provide clients with a customised and community-based service.

With our 18 years of extensive experience, you can rely on our residential property solicitors to provide trustworthy and cost-effective services.