Just a small thing, when you're putting in a clause "subject to finance" make sure you have them write "subject to suitable finance" or something to that effect.
Reason being, you may get knocked back for the loan you're after but get accepted for one of those stupid high interest loans that should never even be on the mark IMO. So if you don't want to go down the high interest loan path (if that's all that you're able to get, which I'm sure won't be the case anyway) you may have to by law as you have finance, just not what you want.
I hope that made sense, I didn't get much sleep last night and seem to be rambling a bit