You can nail a mortgage rate for up to 6 months in advance so i don't think its a silly question!
Originally posted by marco_79

No you can't.

You can get an agreement in principle for up to six months (or three months as is more common). You're then credit-checked again prior to funds being released - if something has changed, that can affect their decision.

It's the same with loans.

You're not going to get a lender to agree to give you a loan three months in advance at a current rate. But by all means ask.

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