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Add protection of existing areas, temporary disconnection and reconnection, delivery charges, final cleaning, and responsibility for patching after electrical or plumbing work. Also ask who supplies fixtures and what happens if the specified material is unavailable. One more point: “paint...

I’d compare total cash cost over the five years, since that matches the period you know you’ll be fixed. Include interest, arrangement fees and any costs triggered by the loan-to-value tier, then compare the remaining balance at year five as well. Ask each lender for the same loan amount and...

What exactly qualifies these as two-bedroom homes? Are they broadly comparable buildings, or is part of the value tied to plot size, redevelopment potential or extra unlabelled space? At this price level, bedroom count alone may be a poor comparison. I’d also want to know whether the quickest...

I wouldn’t dismiss APR quite so quickly. It gives you a standardized starting point and can expose an attractive headline rate supported by heavy fees. The mistake is treating it as the final answer. With such a short fixed period, I’d use APR alongside a one-year cash-cost calculation and the...

Audit history is where many demos become vague. Ask whether the log records the original value, the changed value, who made the change and whether it came from a person or an integration. “Last updated Tuesday” is not enough when two systems disagree about a name, price or document status.

That makes sense. I was treating the two-year point as the comparison period, but an earlier move could make the fees much more important. I need to ask whether each fee is paid upfront or added to the balance. I also don’t yet have a clear answer on portability. Is there anything specific I...

We want payment certainty for the next two years, but the quote is harder to judge once fees and our loan-to-value band are included. The purchase is about $815,000 in New York, and the fixed rate offered is 6.65%. Should I compare lenders over the period we realistically expect to keep the...