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@Sparky
I've just called the estate agent about the two flats I'm seeing tomorrow: one is now under offer. They won't tell me how much for. I pointed out that I may be willing to go higher, and they said they still can't tell me. Baffling.
I'm also confused about this IFA thing. It is a lot of money to pay, but he'll find a good deal and guide me through the process.