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Once you have chosen your mortgage lender, you should get a mortgage offer in principle. This will be done via your bank or building society or via your independent financial advisor.It is not advisable to make an offer on any property unless you know for certain how much you can borrow. You don’t want to build yourself up, only to be disappointed when you cannot buy the house of your dreams.

 

Once you have an offer in principle, you are in a position where you can place an offer on a house, and you know exactly what you can afford.