05/10/2026
🏡 𝐖𝐇𝐘 𝐀𝐌 𝐈 𝐀𝐒𝐊𝐈𝐍𝐆 𝐀𝐁𝐎𝐔𝐓 𝐘𝐎𝐔𝐑 𝐅𝐈𝐍𝐀𝐍𝐂𝐄𝐒 𝐁𝐄𝐅𝐎𝐑𝐄 𝐀 𝐕𝐈𝐄𝐖𝐈𝐍𝐆? 💶
It's a conversation I have surprisingly often.
You enquire about a property and would like to arrange a viewing.
Before we make the appointment, I might ask:
𝐏𝐥𝐞𝐚𝐬𝐞 𝐜𝐨𝐮𝐥𝐝 𝐲𝐨𝐮 𝐭𝐞𝐥𝐥 𝐦𝐞 𝐚 𝐥𝐢𝐭𝐭𝐥𝐞 𝐚𝐛𝐨𝐮𝐭 𝐲𝐨𝐮𝐫 𝐟𝐢𝐧𝐚𝐧𝐜𝐢𝐚𝐥 𝐬𝐢𝐭𝐮𝐚𝐭𝐢𝐨𝐧?
💶 Do you have the funds available?
🏡 Do you have a property to sell first?
🏦 Will you require a mortgage?
And occasionally this doesn't go down terribly well. 😂
So let me explain why I ask.
𝐈'𝐦 𝐧𝐨𝐭 𝐚𝐬𝐤𝐢𝐧𝐠 𝐡𝐨𝐰 𝐦𝐮𝐜𝐡 𝐦𝐨𝐧𝐞𝐲 𝐲𝐨𝐮 𝐡𝐚𝐯𝐞 𝐢𝐧 𝐭𝐡𝐞 𝐛𝐚𝐧𝐤.
I'm trying to establish something much simpler:
𝐀𝐑𝐄 𝐘𝐎𝐔 𝐈𝐍 𝐀 𝐏𝐎𝐒𝐈𝐓𝐈𝐎𝐍 𝐓𝐎 𝐁𝐔𝐘 𝐓𝐇𝐄 𝐏𝐑𝐎𝐏𝐄𝐑𝐓𝐘 𝐘𝐎𝐔'𝐕𝐄 𝐀𝐒𝐊𝐄𝐃 𝐓𝐎 𝐕𝐈𝐄𝐖?
Needing a mortgage isn't a problem. But please have spoken to your bank first to see if you are in a position to get a mortgage!
Having a house to sell isn't necessarily a problem.
Being at the beginning of your search isn't a problem.
𝐈𝐧𝐭𝐞𝐫𝐞𝐬𝐭𝐢𝐧𝐠𝐥𝐲, 𝐢𝐧 𝐦𝐲 𝐞𝐱𝐩𝐞𝐫𝐢𝐞𝐧𝐜𝐞, 𝐭𝐡𝐞 𝐩𝐞𝐨𝐩𝐥𝐞 𝐰𝐡𝐨 𝐚𝐫𝐞 𝐠𝐞𝐧𝐮𝐢𝐧𝐞𝐥𝐲 𝐢𝐧 𝐚 𝐩𝐨𝐬𝐢𝐭𝐢𝐨𝐧 𝐭𝐨 𝐛𝐮𝐲 𝐫𝐚𝐫𝐞𝐥𝐲 𝐡𝐚𝐯𝐞 𝐚 𝐩𝐫𝐨𝐛𝐥𝐞𝐦 𝐚𝐧𝐬𝐰𝐞𝐫𝐢𝐧𝐠.
𝐈𝐭'𝐬 𝐮𝐬𝐮𝐚𝐥𝐥𝐲 𝐰𝐡𝐞𝐧 𝐈 𝐜𝐚𝐧'𝐭 𝐠𝐞𝐭 𝐚 𝐬𝐭𝐫𝐚𝐢𝐠𝐡𝐭 𝐚𝐧𝐬𝐰𝐞𝐫 𝐚𝐭 𝐚𝐥𝐥 𝐭𝐡𝐚𝐭 𝐭𝐡𝐞 𝐚𝐥𝐚𝐫𝐦 𝐛𝐞𝐥𝐥𝐬 𝐬𝐭𝐚𝐫𝐭 𝐫𝐢𝐧𝐠𝐢𝐧𝐠. 🔔
𝐓𝐡𝐞𝐫𝐞 𝐢𝐬 𝐧𝐨 𝐰𝐫𝐨𝐧𝐠 𝐚𝐧𝐬𝐰𝐞𝐫. 𝐁𝐮𝐭 𝐈 𝐝𝐨 𝐧𝐞𝐞𝐝 𝐚𝐧 𝐚𝐧𝐬𝐰𝐞𝐫. 😏
Because arranging a viewing doesn't just involve me turning up with a set of keys.
A vendor may clean and prepare their home, change their plans, arrange childcare, move animals, leave the property for the viewing — sometimes they've spent the entire morning making everything perfect for you.
I may also have driven a considerable distance to get there.
So I don't think it's unreasonable to establish beforehand whether the finances behind the potential purchase actually make sense.
Vendors quite reasonably like to know the position of the people coming to view their home.
Imagine I've arranged a viewing.
Joe Bloggs arrives, spends an hour looking around, absolutely loves the house and tells the owners it's perfect.
Brilliant! ❤️
Then he casually adds...
“𝐎𝐟 𝐜𝐨𝐮𝐫𝐬𝐞, 𝐈'𝐦 𝐧𝐨𝐭 𝐩𝐮𝐭𝐭𝐢𝐧𝐠 𝐦𝐲 𝐨𝐰𝐧 𝐡𝐨𝐮𝐬𝐞 𝐨𝐧 𝐭𝐡𝐞 𝐦𝐚𝐫𝐤𝐞𝐭 𝐮𝐧𝐭𝐢𝐥 𝟐𝟎𝟑𝟐.”
You can only imagine the look on the vendors' faces. 😂
𝐈𝐓'𝐒 𝐍𝐎𝐓 𝐀𝐁𝐎𝐔𝐓 𝐉𝐔𝐃𝐆𝐈𝐍𝐆 𝐘𝐎𝐔𝐑 𝐅𝐈𝐍𝐀𝐍𝐂𝐄𝐒.
It's about understanding where you are in the buying process so that I can be honest with you, honest with my vendors, and make sensible use of everyone's time.
𝐀𝐍𝐃 𝐋𝐄𝐓 𝐌𝐄 𝐁𝐄 𝐂𝐋𝐄𝐀𝐑…
Not being in a position to buy right now doesn't automatically mean you can't view a property.
Some vendors — and sometimes I — are perfectly happy to arrange a viewing even if you're at the very beginning of your plans.
Why?
Because viewings can still be useful.
You get to understand what's available for your budget, and vendors get valuable feedback about their property.
𝐁𝐔𝐓 𝐏𝐋𝐄𝐀𝐒𝐄… 𝐉𝐔𝐒𝐓 𝐁𝐄 𝐇𝐎𝐍𝐄𝐒𝐓.
If you're hoping to buy next year — tell me.
If your house isn't on the market yet — tell me.
If you're only starting to investigate mortgage possibilities — tell me.
If you're in France for a week and simply want to start understanding what's available — tell me.
None of those answers necessarily means I'm going to say no.
It simply means I know your position, the vendors know your position, and everybody can make an informed decision about the viewing.
𝐓𝐇𝐄𝐑𝐄'𝐒 𝐍𝐎 𝐍𝐄𝐄𝐃 𝐓𝐎 𝐏𝐑𝐄𝐓𝐄𝐍𝐃 𝐘𝐎𝐔'𝐑𝐄 𝐑𝐄𝐀𝐃𝐘 𝐓𝐎 𝐁𝐔𝐘 𝐈𝐅 𝐘𝐎𝐔'𝐑𝐄 𝐍𝐎𝐓.
A straightforward answer makes life considerably easier for everyone. ❤️
So please don't be offended when your estate agent asks about your financial position.
We're not asking for your PIN number. 😂
We're trying to make sure we're showing you properties you could genuinely buy.
And ultimately, that makes for a much better house hunt for everybody. 🏡❤️
𝐖𝐡𝐚𝐭 𝐝𝐨 𝐲𝐨𝐮 𝐭𝐡𝐢𝐧𝐤 — 𝐢𝐬 𝐢𝐭 𝐚 𝐫𝐞𝐚𝐬𝐨𝐧𝐚𝐛𝐥𝐞 𝐪𝐮𝐞𝐬𝐭𝐢𝐨𝐧 𝐭𝐨 𝐚𝐬𝐤 𝐛𝐞𝐟𝐨𝐫𝐞 𝐚 𝐯𝐢𝐞𝐰𝐢𝐧𝐠?