Recent content by jae_checks

Use the inspection to turn this from a gut feeling into a first-year plan. Ask which findings need attention now, which can wait, and which deserve specialist estimates. An inspection saying the duplex is generally maintained is useful, but a list of likely timings and costs is much more useful...

I would not apply a percentage adjustment until you confirm what the 65 m² measurement includes. With a country home, the plot and exclusive outdoor space could carry substantial value that a price-per-square-metre calculation misses. My biggest missing facts are the exact micro-location, plot...

I’d compare cash flows over the five-year period: deposit, upfront fees, monthly payments, any financed fees and the remaining loan balance at the end. APR can still be a useful cross-check, but it may not reflect your likely exit date. Put every quote on the same repayment assumptions.

What loan-to-value band are you in, and are both offers being calculated on exactly the same borrowed amount? A lower advertised rate can become irrelevant if it assumes more equity or excludes arrangement costs. I would also ask each lender for a repayment schedule and the cash amount needed to...

Before choosing, send every provider the same one-page request and compare their answers line by line. Include inspection coverage, evidence supplied, turnaround time, availability for follow-up, coordination duties, total fee, extra charges and cancellation terms. Also decide your fallback...

Agreed, though I wouldn’t wait indefinitely for perfect data. Define the neighbourhood boundary and apartment type, track new listings and withdrawals, then set an offer range from the closest completed comparisons. Use energy performance and visible condition to adjust that range, while...

The price range alone may be mixing unlike apartments. Floor area, state of repair and exact neighbourhood boundaries could each change the result. I would split the watchlist into comparable groups first, then look at days listed and reductions within each group rather than across all Lisbon...

For the formal appraisal, provide the appraiser with the features you think are unusual, but let them select and weight the comparables independently. Separately, get inspections or estimates for any condition concerns. An appraisal and a repair budget answer different questions, and neither...

Seller motivation may explain some cuts better than demand. An owner who needs a timely sale will respond differently from one testing the market. You probably cannot know motivation in every case, but repeated relisting, rapid reductions or no response to a long marketing period can at least be...

I wouldn’t start by choosing an acceptable net yield. First establish the all-in capital committed and the repeatable rent. An 8.6% gross yield can look attractive, but if the asking rent requires unusually low vacancy or high spending between tenants, the headline number is doing too much work...

At that bracket, I would stop using the citywide average entirely. Build a separate sheet for each neighbourhood and distinguish completed sales from listings that merely vanished. A disappearance might mean a sale, withdrawal or relisting. Thirty-five days of visibility is useful, but only if...

Get insurance indications based on the actual construction, use and occupancy assumptions. Do not assume equal purchase prices mean similar exposure. Also establish whether the studio owner insures only the unit’s contents or improvements while the building has separate cover, and where any gaps...