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@fizzy.bleach
ANECDATA
The house we just bought (in manchester) seemed underpriced, so it attracted i think 4 full-price offers on day 1 (ours included). they went to best and final bids, and we bid a fair whack over (c. 10%), because even at that price, it was still cheaper than another house we'd offered on and a nicer property. we ended up with the winning bid.
then the mortgage company surveyed it and decided it was worth 10k less then we'd bid (and would only lend the lower amount) so we had to negotiate back down with the vendor.
fun and games.