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I would request matching written illustrations from the lenders using the same loan amount, down payment, term and closing date assumption. Then compare APR, 36-month net cost, monthly payment, remaining balance and the early-exit amount side by side. For a three-year fix, I’d also budget...

What does the 97 days mark: the age of the tenancy, time since the last increase, or how long you’ve tracked the market? That matters. If the tenancy itself is only 97 days old, an increase may feel very different to the tenant and the permitted route depends on the agreement and timing. I’d...

I’m less comfortable than Mohammed with percentage-based condition adjustments. A 3–7% scenario is fine for testing the spreadsheet, but it risks false precision. I would list the visible finish differences room by room, estimate the cost and disruption of addressing them, then consider whether...