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The cash downside is not just the new fee. Changing provider may mean another photography charge, duplicated marketing costs or an obligation under the existing agreement. Read the termination and payment wording before moving. I would ask each candidate for one all-in figure, a list of possible...

Thanks, all. I hadn’t been treating the first mortgage payment and insurance excess as separate risks, so £10,920 was looking more available than it really is. I’m going to confirm those figures, the service charge position and any planned block expenditure before setting a price ceiling...

After revising my completion-cost estimate, it looks as though about £10,920 would remain in cash, which raises a new question about what that figure actually needs to cover. I’m considering a one-bedroom condo in Manchester at roughly £507,000, and I have not yet allowed for any routine work...