We weren't going to start looking until Feb or March but I've just come across my ideal home whilst browsing the area.

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We don't have the full 5% (FTB) plus legal fees in full, we will possibly by Feb/March. No stamp duty if asking price given.

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Should I do anything about this house now?

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It's been on the market since October and the price dropped 25k in November, so it's probably a fair bit overpriced (or has something nasty nearby, I think it's in between 2 prisons, but that really doesn't phase me much) we don't have the slush finds to make up an overvaluation, but you guys seem to know your way around pretty much everything, so I thought I would ask.

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My OH has a v good credit rating (830/900, I think) and he's been offered a whaddyacall, 'we might give you a mortgage to this amount' letter, is far higher than the value of the house, but we've still got 13k on c cards (it's been a v rough 2 years). Do people get loans for this sort of thing?? I've never heard of one, strikes me it might be fraud if you take out a loan and say it's for something else. Do lawyers, etc take credit cards? I would imagine not, but you smart folks will set me straight.