Hi Guys, would anybody know what rules are in place regarding redemption of a house deposit due to a change in circumstances and mortgage approval not being re-instated please? We are just about to go sale agreed on a new build. Our mortgage offer will only have a 6 month time limit but the house won’t be ready until at least Christmas (so I’m think more along the lines of Feb/Mar 2018). Obviously we will need to reapply for mortgage approval once the original offer period has been exhausted and I am worried that if there is a change in our circumstances like one of us losing our jobs and the application is rejected, what will happen. Would we need to forfeit our deposit already paid? Or is it possible to have a clause written into the contract outlining a refund if same was to happen?