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Moving coordination deserves more attention than it gets. Closing, access and the physical move are related but not identical events. Before booking anything difficult to change, confirm when access is actually expected and leave some flexibility. The same goes for lender timing: ask what...

I wouldn’t reduce it to one cash-cost number. A slightly cheaper offer may be worse if you expect to move, refinance or make extra repayments and its restrictions are tighter. Ask each lender to set out the portability conditions and early-repayment consequences for the same scenarios. Also get...