Recent content by hill.sharp

I’m comparing financing for a Toronto purchase around C$1,013,000. One quote is 3.35% fixed for 30 years. The advertised rate initially looked best, but arrangement fees and the loan-to-value tier changed the result. What comparison would you rely on: APR, interest over the fixed period, or...

Rejected offers can be useful, but there is also value in setting a limit on the analysis. Learn what you can, adjust the next offer if justified, then move on. Replaying an outcome with incomplete information can encourage riskier terms rather than better decisions.

Are there any unusual tenure arrangements? Lease length and service charges normally sound more relevant to leasehold or shared developments than a conventional detached freehold, but the ownership structure should be confirmed rather than assumed. If it is ordinary freehold, those two angles...

Yes, but I would not treat this only as a closing-cost exercise. Work repeatedly recorded without a price could become a later charge rather than something collected on completion. Find out who is responsible for approving it, whether funds have already been reserved, and how your share would be...