Notes

Diagram: the mortgage covers 80 percent of the price, while the deposit and all fees must come from savings in cash
The asking price is not what leaves your account
Buying fees are paid in cash and cannot be borrowed, which is why buyers with a mortgage offer in hand still fall short on the day. What the extra 5-15%... Read more...
A year split 160 days in Lithuania, 175 in Germany and 30 elsewhere, with neither country reaching the 183-day line
The 183-day rule, and why mid-year movers get it wrong
Counting days sounds simple until you move in July. What the count is for, the three mistakes people make, and why 183 is a starting point rather than an answer. Read more...
Bar chart: deposits and up-front housing are a far larger share of a move than the removals bill
What moving country actually costs
The movers' quote is the part everyone budgets for, and it is rarely the largest number. Here is the full shape of the cost, and the four items that catch... Read more...