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I’d assume property-level variation until the completed sales show otherwise. Detached homes can look comparable on price while differing substantially in condition and exact location. How tightly have you drawn the neighbourhood boundaries, and does the 88-day figure include homes later...

Month 36 is the useful checkpoint. Put both loans on the same assumed balance, amortisation term and drawdown date, then record the payment split and every fee through the fixed period. Compare closing cash, cumulative payments and the remaining principal at that point. After that, branch the...