The expiring offer — keeping a purchase alive
Offer extended, price change absorbed — no re-underwriting
A real client transaction, anonymised. Client-identifying details have been removed; lender names and figures are shown where the client has agreed.
A property investor was purchasing leasehold flats, with the purchase repeatedly delayed by slow third parties — managing agents, service-charge information and solicitor enquiries.
The mortgage offer was heading for expiry before the purchase could exchange, and the purchase price was renegotiated mid-transaction — either of which can send a case back to square one.
Working with the lender through our packaging partner, an offer extension was secured to keep the purchase alive.
The renegotiated price was confirmed not to disturb the lending decision — no re-underwriting, no new offer needed.
Solicitors, agents and lender were kept talking until the file was ready to exchange. The purchase survived both the delay and the price change.
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