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laner
I’m starting to view houses this weekend - is there any point in getting a mortgage in principle now if I intend to use a broker? I’ve read that vendors will take you more seriously if you have a MIP but I’m not sure if I should bother seeing as the credit rating takes a hit and when the time comes I may end up having to apply to a different lender anyway. FWIW my credit rating should be pretty good, I’m a FTB and I’m pretty sure I’ll pass the affordability checks so I should be able to get things moving pretty quickly when I find somewhere I’m interested in, so I guess I could just fib if a vendor asks whether I have a mortgage sorted out. Also I’m in the Northern wastelands so there’ll be none of the South-East market craziness to contend with.