Don't lie to us about whether you need a mortgage or not. By all means get your finance in advance and from elsewhere, but if you've told us you are cash and we get a phone call a fortnight later for survey access, we will be asking questions about your honesty and motivation and in all likelihood advising the vendor to remarket the property.
Also know what you can afford. The number of buyers who offer without knowing how much they can afford to pay is truely staggering.
Reminds me of a situation a few years back.
We had done the rounds of all the agents in town one saturday morning in person to get on there mailing lists.
There was only one agent left and I was happy to skip them as they were about as down market as you could get in our area but we had a few minutes free so we went in.
Conversation went a bit like this -
Us - Good morning, we'd like to go on your mailing list please, price range £xxx - £xxx
Agent - Sure, our financial expert is with a customer at the moment, be about 10 minutes.
Us - We don't want a financial expert, we just want to go down on your mailing list.
Agent - You'll need to finance it so you need to speak to our finance expert.
Us - The Finance is in place, mailing list only please.
Agent - Ah, So you're property owners. You'll need to speak to our financial expert so we can arrange another mortgage for you
Us - No, Our finance is all taken care of, just the mailing list please
Agent - But you need a mortgage, everyone needs a mortgage
Us -( now irritated ) No we don't..
Agent - Why not?
Us - Because we are cash buyers
Agent - Having a mortgage could save you money you know and you just keep your cash in the bank or take a holiday
Us - Care to put that in writing with exactly what we would save?
Agent - Not allowed to sir
Me - (standing up and leaving) Forget about the mailing list