RG Law stated that homeowners are choosing to stay in their properties and refinance, rather than move, to secure certainty as their fixed-rate deals expire.
RG Law has reported a 37% rise in remortgage services for 2026, driven by 1.8 million fixed-rate mortgage deals ending this year.
The firm has seen more brokers and introducers requesting faster remortgage solutions, as fluctuating mortgage rates and lender deadlines put pressure on household finances.
RG Law stated that homeowners are choosing to stay in their properties and refinance, rather than move, to secure certainty as their fixed-rate deals expire.
Adam Bainbridge, associate sales manager at RG Law, said: “We are seeing a clear increase in homeowners choosing to remortgage rather than move in the current climate.
“Rising moving costs, affordability pressures and uncertainty across the property market are encouraging many people to stay put and make their existing home work harder for them.
“Many clients are looking to secure certainty ahead of their fixed-rate deals ending, while others are refinancing to release funds for renovations or to reduce monthly outgoings.”
Bainbridge added: “At the same time, speed has become increasingly important.
“Borrowers are conscious that delays can impact the mortgage products available to them, which is why demand for our Rapid Remortgage service has increased significantly.
“We are also hearing growing frustration from brokers and introducers around some free or very low-cost legal services provided through lender panels.”
He said: “In some cases, remortgages are taking 12 weeks or more to complete, with delays causing borrowers to miss important deadlines and move onto significantly higher interest rates, costing some clients hundreds of pounds.
“The principles are very similar to residential conveyancing. Clients are looking for speed, transparent pricing, guidance and regular communication throughout the process.
“Unfortunately, those are not always guaranteed when using a law firm appointed through a lender panel.”
He added: “For many homeowners, remortgaging can feel stressful and time-sensitive, particularly when fixed-rate deals are ending.
“Clients increasingly want a process that is proactive, straightforward and easy to navigate.
“Many homeowners underestimate how much preparation is involved in the remortgage process.”
He said: “Starting early gives borrowers greater flexibility and helps reduce the risk of unnecessary delays, especially as more fixed-rate deals come to an end throughout 2026.
“There is nothing more rewarding than taking the stress away from the remortgage process and making it as simple and streamlined as possible for clients.”