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I’d be cautious about focusing mainly on an expected holding period. Plans to sell or refinance are uncertain, so that approach can make a fee-heavy offer look better or worse based on a guess. Compare the full contractual payment path first, then run separate exit scenarios. If the mortgage...

Agreed on defining the area, but I would not discard the snapshot while waiting for a perfect sample. Keep the three indicators as provisional, add the sample size and revision date, then split any new evidence by neighbourhood, property condition and price band. Completed prices should sit in a...