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One caveat to the fixed-period comparison: it can quietly assume refinancing is easy or attractive after year ten. I would add scenarios for keeping the loan after the rate resets, repaying early, and moving before the fixed period ends. Portability only deserves weight if the written terms...

What down payment and loan-to-value tier did each lender assume? Also, are the arrangement fees paid in cash or included in the financing? Those differences can make two headline rates look comparable when the actual amounts borrowed are not. I’d ask both lenders to rerun the figures using one...

A sensible decision rule is to work backwards. Reserve enough for several months of your actual essential expenses, add every known payment around closing and moving, then add only the urgent work supported by the inspection. Whatever remains is the initial furniture budget. If that result feels...

What level is the agenda aimed at? Financing and deal analysis could mean anything from a first purchase to fairly detailed project numbers. I’m interested, but the session may work better if attendees submit one or two practical questions beforehand. Also, any example deal should be anonymised...

Another missing piece is the likely resale audience. A 45 m², 1-bed villa is quite specific. If its layout, parking or tenure narrows the buyer pool, that may affect marketability even when a mechanical per-metre comparison looks acceptable.

One more missing piece: how much stock was withdrawn during those 78 days? A listing disappearing is not necessarily a sale. New-listing volume and the timing of price cuts would help show whether sellers are achieving higher prices or merely holding ambitious asking prices for longer.

I would not rely on the 10.7% until you have recent completed sales rather than asking prices. Also separate warehouses by condition and neighbourhood boundaries; otherwise one renovated or better-located property can distort a small sample. For service charges, first establish exactly what each...

Ask bidders to identify long-lead items rather than accepting a generic programme. The kitchen, sanitaryware, electrical equipment and specified energy-upgrade components should have selection and order dates. If those dates are missed, finishing trades can end up waiting or returning twice.