Your first mortgage is a learning curve. A few avoidable mistakes can slow everything down or make an offer harder to rely on.
Assuming an Agreement in Principle is a guarantee
An AIP is a useful signal, but the lender will still underwrite your application against the specific property and your circumstances at the time you apply.
Changing your finances mid-purchase
New credit agreements, large purchases, or job changes can affect lending decisions. If something changes, tell your lender or broker early.
Forgetting the full cost of moving
Budget for legal fees, searches, surveys, removals, and any initial repairs. A small buffer reduces stress if the timeline drifts.
This article is not financial advice; speak to a qualified mortgage adviser.