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One simple spreadsheet row per offer should do it: fees paid at completion, total payments through month 12, balance after month 12, early-exit cost, and projected month-13 payment. That keeps the decision tied to your timeline rather than whichever marketing figure looks lowest.

I wouldn’t assume a large total budget automatically covers the risk. The troublesome phrase is “moderate energy upgrades”: contractors could interpret that as anything from small draught-proofing measures to work affecting windows, ventilation or heating. Write down each intended measure and...

I’m not convinced “financing sensitivity around S$1,119,000” says enough to be useful. Is that the centre of the sample, a price-band boundary, or a point where activity changes? The phrase implies a relationship that needs supporting evidence.