#1 Not getting a written loan approval before making an unconditional offer. If you’re unable to organise this, please avoid a costly headache by inserting a “subject to finance” clause. #2 Not having your solicitor check the sale & purchase agreement, or at the very least, insert a “subject to solicitors’ approval” clause in the agreement. A solicitor plays a key role in outlining the buyer's obligations, so it’s imperative that you have them spell out exactly what you’re s