Mortgage Point

This card puts you in the position of effectively being a cash buyer. This is attained by obtaining an offer of a mortgage from a lender before you have actually found a property, subject to survey of the property that you eventually find) which means if you are a 1st time buyer your powers of negotiation are much stronger because your funds are available and you do not have any property to sell. Therefore if you find a property that you would like to make an provide on, but perhaps too embarrassed to negotiate the price down, then The Mortgage Point will make that offer for you.