Awesome Pooks thank you so much for replying. Great advice about the credit cards, I mentioned them at our health check appointment but our SC chose not to write them down, so I'll certainly make sure they're paid down and can be closed by the time we need finance.
And I don't think we'll be signing a PWC this weekend, we're just looking at packages, I have a friend who is a property lawyer so she will be reviewing everything for us prior to signing anyway because I'm hopeless at that stuff. I wouldn't be surprised if we ended up at Livingston to be honest, my husband is already pressuring me because he thinks we can get a better block there.
And thanks for the info about the double-glazing, that's definitely a priority for me in the master bedroom, particularly with temperature, my husband is like a giant furnace at night - great in winter, not so much in summer.