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I would not reduce this to total cash paid alone. That can make a loan with faster principal repayment appear more expensive even though you finish with less debt. Compare monthly affordability, outstanding balance at each chosen date, fees, and the cost of repaying or refinancing. Also confirm...

The cash downside is not just a major hidden defect. It is also several smaller exclusions landing together after transfer: an inaccessible unit, unresolved damp, unverified alterations or deferred common-area work. Do not accept a repair allowance based only on the seller’s estimate. Obtain...