Lots of sound advice for someone who clearly doesn't need it.
Rarely have I seen a young house buyer who is quite so well organised.
The only danger I can see is the OP wants the transaction to be so neat and tidy, he never takes the plunge.
nice but dim,
The sooner you start paying a mortgage, the sooner you will stop paying it.
Most people buying their first house feel they can't quite afford it.
You have worked yourself into a good position, get on and buy before some circumstance outside your control changes and prevents you from doing so.
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