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Fee structure deserves its own paragraph in any proposal. Ask what is included in the regular fee, what triggers an additional charge, and whether third-party costs are passed through. It should also state how either side can deal with work that falls outside the agreed scope.

Mila’s question about the loan amount is crucial. Two borrowers buying at €828,000 can receive very different comparisons if their deposits place them in different LTV tiers. I’d make a simple table using the same loan amount and term for every lender: upfront fees, monthly payment, interest...

I’d compare interest plus all unavoidable fees over the 10-year fixed period, while showing principal repayments separately because they reduce the balance rather than represent a financing cost. APR is still useful as a quick filter, but it may rely on assumptions extending beyond the fixed...

A simple comparison sheet would help: original advertised price, later price changes, completed price where available, property type, condition, location, and time on market. Put transaction costs in separate columns rather than folding everything into one percentage. Also note what is unknown...

A practical model could have separate sections for purchase price, transaction costs, mortgage assumptions, renovation, and ongoing operation. For each comparable, note asking price, completed price, sale date, condition, occupancy situation, and anything unclear rather than guessing. For...

The cash downside is often hidden outside the headline fee. Ask for separate lines showing the legal fee, searches, transfer-related charges, tax-return work if applicable, lender work, leasehold supplements and any third-party costs. Also ask which items can change and why. “No completion, no...

Two missing facts will change the questions: are you resident in Canada for tax purposes, and will you occupy either unit or rent both? I’d also tell the professional whether title might be held individually, jointly or through another structure. Those scenarios can affect which ownership...

Completion is not the point at which the budget stops moving. I would keep the money for expected service charges separate from a repair reserve, because combining them makes the remaining cash look more generous than it really is. Inspection findings also feel much more urgent once you have the...

The practical constraint is that I have only one completed sale to support the estimate. The property is a Toronto four-bedroom detached home of about 2,310 sq ft, in average condition and listed at C$1,357,000. Its light and location appeal to me, while the dated interior is the obvious cost...

That is fair, but delaying also has costs and does not eliminate uncertainty. I wouldn’t postpone solely to reach a round savings number. I would postpone if the inspection reveals near-term work, the closing estimate is still moving, or the remaining emergency fund would cover too little time...