Markup is normal.

Bank also will send their valuer.

If can’t loan full, take other side loan, dont complicate the pricing.

How much the gap not covered by bank? Dont over inflate your loans, dont follow what gurus said.

Ask for discount from seller?

Because if bank decide you cant afford 90% loan, that must be for reason.

Sometimes renting is cheaper than buying. Rent just mere cost of loan interest, but buy means you might endup paying double of renting cost.

But try not to inflate the loan and complicate things.

They said that justify the price of the house to be marked up. More commision for them as well. This all games guru never tell. Sellers are desperate to make the transaction, this will stay for longer term.