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The rate-reset issue depends on Emil’s question. If 30 years is only the amortization and the actual fixed term is shorter, calculate what the remaining balance and payment could look like when that term ends. A comparison that assumes easy refinancing at a favourable future rate is doing a lot...

The point about motivation helps: I do care more about a dependable sale than testing the absolute ceiling. I’ll ask both agents for recent completed sales within a tightly defined area, plus any comparable flats they listed and later withdrew or reduced. I’ll also ask what specific viewing or...

Two agents have valued my Manchester new-build flat quite differently. The higher proposal is obviously tempting, but I’ve noticed comparable listings launching ambitiously, sitting for roughly 17 days, then cutting. Would you start high to leave negotiating room, or launch nearer the likely...