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The practical next step is to ask each lender for the same itemised figures: initial loan amount, monthly payment, all upfront fees, principal outstanding at your chosen comparison dates, and the cost of repaying at those dates. Ask separate written questions about portability rather than...

I’m not sure I’d dismiss the 45-day pattern as property-level noise. If price cuts repeatedly begin around the same point while new-listing volume rises, that could indicate a broader shift in negotiating power. Service charges may simply be where buyers express caution, especially when...