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Work out the valuation-gap scenario before offering. If the seller accepts £950,400 but the lender values it lower, can you add cash without compromising funds reserved for updates, or would you need to renegotiate? That answer determines whether valuation protection is essential. The same...

I would not choose the contingency percentage until contractors separate fixed allowances from genuinely uncertain work. Ask each bidder who pays for opening and making good walls, moving plumbing, electrical remedial work after testing, waste removal and protection of common areas. Also confirm...