Recent content by OpenHill

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    Manchester transaction surprises: mortgage timing, valuations and who handles what

    How does timing change this in a chain? Suppose the mortgage offer is delayed while the buyer challenges the valuation or changes the deposit. Should the agent coordinate revised dates, or should every update go through the solicitors? It seems easy for different parties to give optimistic...
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    Manchester snapshot — price movement -2.8% — second opinion?

    I agree on splitting the prices, but I wouldn’t dismiss marketing time. Around 106 days may become meaningful when combined with the timing of reductions. A cut after a few weeks is different from one after months without progress. Also count withdrawn properties; otherwise the sample only...
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    Comparing a 6.36% five-year fixed mortgage quote in Ireland

    Keep purchase costs that are identical whichever lender you choose outside the mortgage comparison. Include a cost only if the lender or product changes it. That prevents the table becoming a general buying budget instead of a comparison of offers.
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    Dublin mortgage quote: comparing 7.59% fixed for 20 years

    Comparing likely exit dates makes sense, but relying on the full 20-year outcome is also defensible because refinancing may not suit you when the time comes. Neither approach should distract from the immediate question: can the 7.59% payment be carried comfortably without assumed income growth...
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