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hi guys im nicola mckenzie founder of dm mortgages and in todays video i will be explaining to you what a mortgage offer is and some of the pitfalls that you need to be aware of now guys before we get into the detail of todays video its worth me just mentioning that we are a team of mortgage advisors and property specialists and we also help with insurance as well so if you need to arrange a mortgage insurance with you an existing mortgage then make sure that you head over to our website which is dm.mortgage and book a free of charge appointment today also if youre new here make sure that you subscribe to the channel and hit the bell so that you dont miss any future video uploads but im firstly going to start by just explaining what is a mortgage offer now before i even actually go into the detailed detail of explaining what a mortgage offer is its worth me just taking a minute to explain what an agreement in principle is so an agreement in principle quite often people get that