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I wouldn’t push APR too far into the background. A five-year-only calculation can make a quote look attractive while ignoring what happens after the fixed period. I’d run at least three timelines: an early sale or repayment, exactly five years followed by refinancing, and staying with the lender...

Policy timing could also distort a single month even without a lasting shift in buyer preferences. Expectations about tax, lending or wider policy can delay instructions and offers. I wouldn’t assign a cause unless the dates of listings, accepted offers and completions line up with the event...