For many, the intrinsic value of a soothing tranquil life is far greater than the price of any tax.
If needed, that mortgage advisor should even be able to tell you if it would be better for you financially to rent than buy now.
Depending on the size of your project and how strongly you need your partner's credit rating to get the needed loan, a reasonable percentage to offer will be in the range of 3% to 5%.
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