I can’t understand her attitude to paying “over what it’s worth” - does she not understand how the property market works? It’s worth what someone is willing to pay. There is no “price on paper”. Yes the bank has their say, but what dictates prices is the current market. She’s so thick and if she can’t grasp that they’ll never manage to buy somewhere. Also all the comments about paying 20k/30k over asking, I’m pretty sure that’s not on a 75k house (more like a 400k house, in which case it’s not so crazy percentage wise).