It's not unusual for buyers to view properties before they have checked out their financial and mortgage options.

You will significantly improve your situation if you have done the financial work first. A mortgage agreement in principle can be like gold dust when it comes to establishing your credibility with agents and vendors alike but statistics also show that First time buyers in particular are often not confident when making offers and can pay more than necessary to secure a property.

Being aware of the additional costs involved in property purchase, such as legal fees, mortgage fees, stamp duty, etc., can again avoid problems later on when you are already involved in a chain. 

An independent mortgage broker who specialises in mortgages will take you through the whole process, make sure you are fully aware of the costs and the process involved and can even make bids on your behalf, fully supported by his confirmation of your ability to proceed, should your offer be accepted.

We have our own in house mortgage specialist who is qualified to the higher Diploma level in mortgage advice and practice so is ideally placed to help all types of buyers so don't hesitate to get in touch or check out their website at www.nimortgages.com