The fee explanation still looks premature, especially if withdrawn listings and financing difficulty are missing from the comparison. A vacant shop with a flat above it may attract a different buyer pool from a fully occupied building, even when their asking prices and stated use look similar...
Put each quote into a simple table with the same loan amount and timeline: cash due at closing, fees added to the balance, first-year payments, remaining balance after 12 months, early-repayment cost, and the post-fix payment assumptions. Then repeat it for a longer holding period. I’d ask each...