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The clean comparison is probably a set of cash-flow snapshots: upfront, monthly, year five, year ten and full 30-year cost. Add the remaining balance and any exit charge at each earlier date. Run one version with no refinancing, since refinancing is an option rather than a certainty. Once the...

For early repayment, ask for the exact treatment of both partial overpayments and full redemption. The contract wording matters: when a charge applies, how it is calculated, and whether there are limits or specified dates. Those details can change the result if you sell or refinance early, and...

Thanks all. The first questions will be the exact location/building, a breakdown of the approximately 180 m², the service charge and what it includes, parking, fixtures, and what “average-to-good” means in practical terms. If those answers are coherent, the next steps would be an appointment to...

I had to read the figures twice: this Lagos serviced apartment is listed at NGN 1,116,000,000 for one bedroom and approximately 180 m². Its condition is described as average to good, and viewings are available by appointment. Before anyone requests documents or books a viewing, what would you...

Without matched transaction records, the 7.1% figure cannot carry much weight. The hardest evidence to reconstruct later will be each property’s original listing date and full revision history, so I would preserve that before trying to interpret the December 2025 snapshot. Then split the...