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Put the offers into a simple table with the same loan amount and timeline: upfront fees, monthly payments, remaining balance after 5 and 10 years, and the cash needed to exit at those points. That prevents a lower advertised rate from winning merely because more of its cost sits in fees or later...

Buyer financing could also skew this small sample. A renovated unit may present a simpler total budget, while an unrenovated one requires both the purchase funds and a separate works allowance. Even without changing the headline valuation, that can reduce the number of buyers able or willing to...

I would submit the €353,970 offer without apologising for it: concise condition-based reasoning, financing proof, flexible completion and a defined response period. Keep technical inspection, financing/appraisal protection and controlled deposit exposure unless local advice gives you a...