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@Fox
Oh Roboto the 15% thing - they're either saying this because they think you can't afford more or they're wrong. I would ask to use your own independent adviser. If they say no push it.
Part buy part rent complicates it, but even if they say no there is nothing to stop you getting a second opinion from your own adviser.
And personally I would just get that cash, put it in your account and tell them you saved it. Much simpler.