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I wouldn't worry that much. Agents can get in the shit if they're shown not to have put an offer forward and the commission for them on another £10k or so is minimal so turnover is more profitable than eking out every quid. Add to that the market is pretty slow at the moment, it's unlikely they'll ignore offers.
It may well be that the vendor just isn't entertaining anything under asking or the agent is well aware that they wouldn't entertain your offer from previous discussions.
If you haven't already I'd email the offer to make sure it's clear it's a formal offer.
Just because your salary means that you can afford more doesn't mean that people will assume your budget is that high. You may have other outgoings, be risk averse, have an eye on a new car, kitchen etc.
They'll need some kind of evidence that you're in a position to buy the property. The last few offers I made I was asked for a copy of a mortgage offer in principle. It takes 5 minutes to do this online so you can get one that matches up to your offer if you want to go down that route.
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Don’t speak to the financial advisor, just send them your mortgage AIP or offer to put them in touch with your broker.
The estate agent financial advisor thing is just ad additional revenue opportunity for them to sell you a mortgage.
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aggi
NickCJ
@greeno
Didn't think i'd ever be in a position to enter this thread... semi question but also just a rant.
First time buyer, seen a place we like, now dealing with estate agents. I know they're lying to me about other offers already and can even accept thats part of it. Two offers flatly rejected with no chat coming from the seller. The flat is well within our budget, I don't want to stretch at all, I'll just be happy to no longer be renting.
When I asked them to put my first offer forward though, they said I had to speak to their financial advisor, who then called me and said he wouldn't pass any details of our conversation and would only make a judgement on whether we were financially sound. It was a 1 minute conversation - he only asked our salaries. I've been done right?? They've blantantly passed on our financial details to the estate agent who now know what we can afford? I wouldn't be surprised if they hadn't even forwarded the offer.
Going forwards if I look at a different place, I assume I can refuse to speak to their advisors first? Any advice?? Cheers in advance.