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Include costs caused by timing, not just ownership. If there is any overlap with your present accommodation or a delay before moving in, that cash has to come from somewhere. Keeping a small unallocated amount also helps when estimates arrive higher than expected.

For a three-year decision, I’d compare total cash outflow over those same three years: deposit, fees, monthly payments and any expected exit or refinancing cost. APR may be useful, but it can become misleading if the illustrations assume different loan terms or that you keep the mortgage long...

Seller motivation matters more than the headline average in this price range. A vacant warehouse, an owner testing an ambitious price and an operating owner willing to wait should not be expected to negotiate alike. Withdrawn listings are informative too: some may indicate refusal to meet the...