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For early repayment, decide which event you actually care about: occasional overpayments, full repayment after a sale, or refinancing before the three years finish. Ask the lender to explain how each would be treated. The wording and cost can differ, so a general statement about early repayment...

Is the unit vacant, owner-occupied or tenanted? That missing detail could matter more than the cosmetic updating, particularly when judging the seller’s motivation and what evidence supports the price. Also decide now what happens if the lender’s valuation is below your offer. Can you cover...

Listings still online will naturally overrepresent the difficult stock. Completed sales have the opposite limitation: they reflect offers agreed earlier, not necessarily this month’s conditions. I’d separate newly listed, under-offer, completed and withdrawn properties, then compare the original...