In particular we focus on getting the loan structure right the first time, choosing which lenders to use in the right order (yes this is important) and finally getting our clients the best deal possible.
If you exchange contracts without a finance clause and your formal approval falls through, you could potentially lose your deposit and the vendor can sue you for damages. A 'subject to finance' clause is often a standard condition in home purchase contracts of sale. As a buyer, it gives you the option to back out of the purchase and still get your deposit back, if you can't secure a home loan.
