Recent content by good_horizon

The final document week taught me that “waiting on the lender” is not a complete status update. Ask what document is outstanding, who must provide it, and whether anyone else is blocked by it. That fits your ownership point: one named next action is much more useful than several people saying...

No extension does not mean no structural uncertainty. Removing flooring, kitchen units or bathroom finishes can expose movement, damaged joists or previous alterations. Before setting the reserve, ask the surveyor to concentrate on cracks, floor levels, roof condition, party-wall areas and any...

Don’t combine routine maintenance and furniture into one smooth percentage. A 3-bed serviced apartment can have uneven replacement costs, while the building can issue separate calls for common works. I’d keep distinct lines for apartment maintenance, furnishings, co-ownership charges, major...