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I’ve received a 4.00% mortgage quote with a five-year fixed period for a property purchase of around £507,000 in London. The headline rate initially looked competitive, but the arrangement fees and loan-to-value tier make the comparison less straightforward. For recent UK borrowers, which...

I’m looking at Manchester duplexes priced from £605,300 to £907,900. The active listings in my sample have taken roughly 88 days to find a buyer, with the longer cases appearing linked to financing costs. Before I draw conclusions, should I rely more heavily on recent completed sales, or does...