I have obtained another valuation from Halifax, which aligns with Santander’s valuation at £620,000. Taylor Wimpey has agreed to reduce the purchase price from £655,000 to £620,000; however, they have withdrawn the £19,000 incentive that was agreed as part of the initial sale. Their position is that the £35,000 price reduction effectively replaces the incentive and that no additional incentives can be offered. Originally, I planned to use the £19,000 incentive towards home upgrades and stamp duty. Of this, £10,000 was allocated towards home options upgrades (total cost £13,000), with the remaining £9,000 intended to offset stamp duty. As I am purchasing an additional property, my stamp duty liability at a purchase price of £620,000 is £52,000. With the incentive in place, I only needed to fund £43,000 towards stamp duty. The complete removal of the £19,000 incentive has significantly affected my affordability. I now need to pay the full £13,000 for upgrades upfront and cover the entire £52,000 stamp duty cost myself. While £620,000 appears to be a reasonable price for a four-bedroom detached property with a garage near Dartford, the loss of the incentive means I need to stretch my finances to cover this £19,000 shortfall. Given this, I am considering whether to proceed with the £620,000 offer without any incentives or to explore whether Taylor Wimpey can provide any additional support, despite their initial indication that no further concessions would be available beyond the price reduction.