Once your offer has been agreed with the seller, the Road to Exchange race is on! A key part of that process is to get a formal mortgage offer. However, the mortgage timeline can vary by mortgage lender, how complex your financial situation is, as well as whether you are prepared with all the documents required.
Are you afraid that your cheeky offer will be laughed at? Do not be! The vast majority of property sales agreed are at lower prices than Asking Price.