Recent content by eden_research

Also clarify that “fixed for 30 years” really means fixed until final maturity, rather than a product description with some later reset. If it is fixed for the entire contractual term, the rate-reset risk sits mainly in any future refinance you choose, not in this loan itself. Finally...

Portability needs especially careful wording. Does it apply to any replacement property, and would moving require a fresh affordability or LTV assessment? The same goes for early repayment: ask exactly when charges apply and how they are calculated. If the answer is only verbal or promotional...

If the buyer must decide soon, the missing fact is what that smaller buffer still has to cover. Is it untouched emergency money, or will mortgage payments, project delays and property expenses also come from it? The broker can show how different lending outcomes affect the balance, but the...

I’d assume property-level variation until recent completed sales support a wider change. Asking prices and 24 days of marketing alone won’t show whether sellers are accepting less, cutting later, or simply withdrawing. How tightly have you drawn the neighbourhood boundaries, and are the...