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Also, define “country” quite narrowly before collecting data. Comparing several distant areas at once can create a neat-looking spreadsheet that says very little. Pick one area and one broad property type, follow new listings and completed transactions for a while, then expand only when your...

If you anchor your budget to a completed sale that was never truly comparable, the mistake may only become clear after you have made an offer. Sold prices show the result, not the reason behind it. A lower figure might reflect poor condition, difficult access or substantial work left for the...

I would not treat the lender valuation as a delayed verdict on whether the negotiated price was “correct.” It may have a different purpose and client. Before relying on any report, ask who commissioned it, who may use it, and whether the buyer is entitled to receive it. On the negotiation...