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Also ask whether the arrangement fee must be paid upfront or can be added to the loan. Adding it may help short-term cash flow, but then it affects the balance and interest calculation. The written illustration should make that visible; otherwise your three-year cash-cost table may omit part of...

How tightly are you defining “similar”? Even nearby neighbourhood boundaries can change the comparison, and duplex condition is a major variable. Is the asking history for finished homes, renovation projects, or both? I’d also ask whether your offer depends on financing, because certainty and...