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I want a mortgage that remains sensible if I refinance after two years, but the fees and flexibility make the cheapest-looking rate difficult to identify. The purchase under consideration in Berlin is around €717,600, and one offer fixes the rate at 3.12% for 2 years. I am inclined to compare...

Hello from Berlin. I’m a first-time buyer trying to build a sensible research process before looking seriously at individual properties. At the moment I’m learning about warehouses, transaction costs, and the gap between advertised and completed sale prices. I joined because I’d like to compare...