Hello! I have exchanged last year on an off-plan deal (completion estimated Q1 2021), 10% deposit paid in escrow. I am conscious that buying off-plan is especially profitable in a rising market. I have 2 questions if anyone can help: 1. I am concerned that I will struggle to get a mortgage next year if property price take a dive and the property is valued less than the agreed price. Is this likely and if so, what would happen then? 2. My solicitor has suggested to include a rider to “mitigate the consequences of being unable to complete the transaction due to covid-19”. Is this