Do I have to attend the offices of the solicitor to execute the mortgage deed? If so, I will instruct a firm who offer conveyancing in Kirkby Stephen so that I can attend their offices if necessary.

As opposed to 15 years ago, most lenders no longer need their conveyancing panel solicitor to witness the mortgagors signature. You will still be obliged to provide ID documents and there are still distinct benefits to choosing a local solicitor, in your situation a conveyancing solicitor in Kirkby Stephen.

Me and my brother purchased a semi-detached Victorian property in Kirkby Stephen. Conveyancing lawyer acted for me and Platform Home Loans Ltd. I happened to do a free search for it on the Land Registry database and I saw two entries: one for freehold, the second leasehold under the matching address. I thought I was buying a freehold how can I check?

You need to assess the Freehold register you have again and check the Charges Register for mention of a lease. The best way to be sure that you are also the registered proprietor of the leasehold and freehold title as well is to check (£3). It is not completely unheard of in Kirkby Stephen and other locations in the country and poses no real issues for owners other than when they buy they have to account for both freehold and leasehold interests when dealing with lenders. You can also check the position with the conveyancing solicitor who conducted the conveyancing.

I am looking for a leasehold apartment up to £245,000 and identified one round the corner in Kirkby Stephen I like with a park and railway links in the vicinity, however it's only got 49 remaining years left on the lease. There is not much else in Kirkby Stephen for this price, so just wondered if I would be making a mistake acquiring a short lease?

Should you require a mortgage that many years will be problematic. Discount the offer by the anticipated lease extension will cost if not already taken into account. If the existing proprietor has owned the premises for at least twenty four months you could ask them to start the process of the extension and pass it to you. You can add 90 years to the existing lease and have £0 ground rent by law. You should consult your conveyancing solicitor concerning this.

I am looking into buying my first house which is in Kirkby Stephen and I am already nervous. I couldn't find anything specific about Kirkby Stephen. Conveyancing will be needed in due course but do you know about the Kirkby Stephen area? or perhaps some other tips you can share?

Rather than looking online forget looking online you should go and have a look at Kirkby Stephen. In the meantime here are some basic statistics that we found

My husband and I may need to sub-let our Kirkby Stephen garden flat for a while due to taking a sabbatical. We used a Kirkby Stephen conveyancing firm in 2003 but they have since shut and we did not have the foresight to get any guidance as to whether the lease allows us to sublet. How do we find out?

A small minority of properties in Kirkby Stephen do contain a provision to say that subletting is only allowed with permission. The landlord is not entitled to unreasonably withhold but, in such cases, they would need to review references. Experience dictates that problems are usually caused by unsatisfactory tenants rather than owner-occupiers and for that reason you can expect the freeholder to take up the references and consider them carefully before granting consent.

I bought a leasehold flat in Kirkby Stephen, conveyancing formalities finalised 9 years ago. Can you please calculate a probable premium for a statutory lease extension? Corresponding properties in Kirkby Stephen with a long lease are worth £185,000. The average or mid-range amount of ground rent is £65 per annum. The lease ceases on 21st October 2085

You have 60 years left to run we estimate the premium for your lease extension to range between £20,000 and £23,000 plus professional fees.

The figure above a general guide to costs for extending a lease, but we cannot give you a more accurate figure without more detailed due diligence. Do not use the figures in tribunal or court proceedings. There may be other concerns that need to be taken into account and clearly you want to be as accurate as possible in your negotiations. You should not move forward placing reliance on this information before getting professional advice.