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So what’s involved in getting a mortgage? 

When your price is accepted it is not binding until contracts are exchanged, which means that someone else could have a higher offer accepted (gazumping) at any time until then. A normal case involves a property being put up for sealed bids, to be made by a due date, all of which are binding. Continue reading.

Buyers make suitable survey and mortgage arrangements and make a bid on that basis. The seller then chooses a suitable bid and the deal is binding. (The highest offer may not win, as the seller may accept a lower offer from someone who binds to complete in a short time. Sometimes other conditions may be stipulated by the seller, or offered in the bid).

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