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What mortgage amount are you actually borrowing against the €630,200 price, and are the arrangement fees paid upfront or added to the loan? Without those details, the loan-to-value tier and monthly figures cannot be compared properly. It would also help to know whether 20 years is only the...

Put the feeling aside for one evening and do the cash calculation. Start with what remains after the purchase, moving costs and first payment, then reserve something for the insurance excess and any immediate repairs. Furniture can wait. If that still leaves an emergency fund you can live with...