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  • We aimed to get everything done from the equity but we failed to budget for a few things, including £3k in early repayment fees, double charges from the movers, a hotel for the night when we didn't exchange on time, and takeouts / DIY stuff while we were getting the place livable. Get some savings if you can, it's easy to miss stuff, and a bad time to have to put it on the credit card

  • Or just over egg it slightly and use the surplus for any home improvements should there be any left. An expensive loan in the long term but probably only a few quid a month extra for peace of mind.

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