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Thanks. We haven’t booked anyone yet, and I’m now asking the builder about access before completion. The budget is the awkward part: moving costs, the first mortgage payment and an emergency fund all land together. We can delay most furniture, but I don’t want an inspection to leave us short for...

Our preference is to have the 5-bed detached house independently inspected before completion, but the builder says its required checks make that unnecessary and access may be restricted. The price is £666,900, so relying only on defects being addressed after we move into the Birmingham property...