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Building reserves should not be read as a single good-or-bad number. Buyers may also consider the property’s condition, expected work and what the building is likely to need next. If those points are unclear, some will not even reach the negotiation stage. Financing matters too: uncertainty can...

How long is the 3.30% offer valid, and what must happen before it is secured? With a purchase in progress, a low quote is not very useful if it can change before completion. Check whether the rate, fee and loan-to-value tier are all confirmed for the same date and conditions.