We were just about to exchange contracts for a ground floor flat in Carnforth. We have hit a snag. The mortgage offer with TSB runs out on 19/9/2025 but the sellers are putting forward a completion date of 23/9/2025. Is it possible to prolong the mortgage expiry date?

The best person to address this question is your conveyancer who is in a position to assess whether he or she is better off negotiating with the mortgage broker, seller’s representatives, selling agents or conceivably all three based on the history of your conveyancing as of today.

We are purchasing a property and need a conveyancing solicitor in Carnforth who is on the Coventry BS approved panel. Can you recommend a local firm?

Our service is limited to being a directory service for firms who wish to be listed as being on the approved conveyancing panel for Coventry BS . We don't recommend any particular firms conducting conveyancing in Carnforth.

I am looking for a flat up to £195,000 and found one close by in Carnforth I like with a park and station nearby, however it's only got 61 years on the lease. I can't really find anything else in Carnforth for this price, so just wondered if I would be making a mistake purchasing a lease with such few years left?

If you require a mortgage that many years may be problematic. Discount the price by the expected lease extension will cost if it has not already been discounted. If the existing proprietor has owned the premises for at least 2 years you can request that they commence the lease extension formalities and then assign it to you. You can add 90 years to the current lease term with a zero ground rent applied. You should consult your conveyancing lawyer about this matter.

I am 17 days into a residential purchase having been recommend to conveyancers by the estate agent to handle our conveyancing in Carnforth. I am am very dissatisfied with the quality of service. Could you help me find new solicitors?

They would have to be really bad to suggest diss instructing them. Has the mortgage been sent? If so you will need to inform them of the new contact details and get the loan are issued to the new lawyers. Your conveyancer needs to be on the mortgage company panel to avoid escalating fees and frustration. That should be your starting point. The find a solicitor tool should assist you in finding a lender approved conveyancer for your conveyancing in Carnforth

I today plan to offer on a house that appears to be perfect, at a reasonable figure which is making it all the more appealing. I have since found out that it's a leasehold rather than freehold. I would have thought that there are particular concerns buying a house with a leasehold title in Carnforth. Conveyancing solicitors have are soon to be instructed. Will they explain the issues?

Most houses in Carnforth are freehold rather than leasehold. In this scenario it’s worth having a local solicitor used to dealing with such properties who can help the conveyancing process. It is clear that you are buying in Carnforth in which case you should be shopping around for a Carnforth conveyancing practitioner and be sure that they are used to advising on leasehold houses. As a matter of priority you will need to check the number of years remaining. Being a tenant you will not be entirely free to do whatever you want to the property. The lease comes with conditions such as obtaining the freeholder’sconsent to carry out alterations. You may also be required to pay a service charge towards the maintenance of the estate where the property is located on an estate. Your conveyancer should appraise you on the various issues.

Leasehold Conveyancing in Carnforth - Examples of Questions you should ask before buying

This question is important as a) areas could result in problems for the building as the common areas may start to deteriorate if maintenance are not paid for b) if the leaseholders have an issue with the running of the building you will need to have all the details How much is the yearly maintenance fee and ground rent? Does the lease contain onerous restrictions?