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  1. K

    How much of a £21,060 post-completion buffer should I keep untouched?

    I slightly disagree with treating all furniture as optional. Window coverings, lighting where fittings aren’t included, and somewhere to sleep can be genuine day-one costs. I’d separate “functional furniture” from decorating and upgrades. For a new build, also get clarity on what the developer...
  2. K

    Manchester townhouse at £838,500: how much weak cash flow is acceptable?

    Start by giving appreciation a value of zero. If the townhouse still meets your required return after realistic operating costs and finance, future growth is optional upside rather than the justification for buying. The missing facts are expected rent, deposit, interest terms and whether the...
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