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We won't be able to make you a formal offer until you've gone through a full mortgage application and we've carried out a valuation on the home you want to buy. Stay informed Rate briefings Save documents Receive email alerts Create Membership As a member you receive free access to our constantly updated library of briefings, white papers, market reports, case studies, and web seminars. It doesn't take long to lose that creative wave after even the slightest hiatus from the studio, making a restart seem monumentally daunting.