I have had my eye on a property in Scotland which went to a fixed price today (after being on o/o for a few weeks). I would like to put in an offer at the fixed price tomorrow morning before anyone else gets in. Previously, I had put in an offer subject to survey on a fixed price property only to have someone put in an unconditional offer in just as I was waiting for the surveyor to go out.
I am confident I can get the mortgage required and the property is 'nearly new' with no obvious problems. In any case, I would only get a scheme 1 survey done for mortgage purposes so they would not really go into any structural etc problems. It is also in a nice area and I have seen other properties go for slightly more in the same area.
However... what happens if for whatever reason I cannot get the mortgage or something else goes wrong where I cannot go through with the purchase? I have seen flats come off the market only for them to come back on a few weeks later and the estate agents say 'the buyer couldn't get a mortgage' etc. I am not trying to waste the buyers time as I genuinely do want this flat which is why I'm afraid of someone else putting in a confirmed offer before me as I have been looking for a long time now and have wasted a lot of money on surveys in the past.
Is there any point in putting in a conditional offer? Should I go ahead and put in an unconditional so no one else can take the property before me?