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  1. R

    Hello from Manchester — developer focused on retail units

    Mortgage comparisons can also distort the model if each quotation uses different assumptions. Compare the same purchase price, deposit, term, fees and repayment structure, then keep a separate case for refinancing uncertainty.
  2. R

    London rental: management fees leave almost no cash flow—keep or sell?

    I would challenge the idea that management is what ruins the investment. If the property produces almost nothing once someone is paid to run it, the underlying return may already be weak. Self-managing from nearby can hide that because your time appears free. Selling is not automatically right...
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