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Also separate “best value” from “affordable each month.” A fee spread across 36 months may make offers easier to compare, but it does not change when the money is actually due. Check the real payment, upfront cash requirement and whether the household budget could absorb a higher payment after...

I wouldn’t treat 25 days as proof that the ambitious strategy failed. A country home can have a narrower buyer pool, and a reduction may have been planned rather than forced. Condition matters too: a ready-to-occupy home and one needing substantial work should not be compared solely on location...

I’d work backwards rather than split it evenly. First protect an emergency fund based on your essential monthly outgoings. Then allow for the move, the first mortgage payment and any payment overlap. Keep a separate property reserve for urgent inspection findings, and buy only essential...