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That helps. I had been comparing the advertised rate with 5.76% and treating APR as the final answer, without giving enough weight to the balance left after five years. I’ll confirm the LTV tier, whether the arrangement fee is financed, the reset mechanism, and early-repayment costs. The 25-day...

The headline rate is not giving me a clean comparison. My specific concern is how arrangement charges and the applied loan-to-value band affect a Bangkok purchase of about THB 10,260,000. I am 25 days into the review, and the current quote is 5.76% fixed for five years. Would it be better to...