Loan to buy

When attempting to agree a fee on a loan to buy in career mode, you can only agree a fee up to the amount available in your transfer budget if you are asked to make the offer first. If the other team names their price first, then you can negotiated or accept at that rate which is often much higher. Eg. I attempted to sign a player on a loan to buy but couldn’t bid above £1.5m, but when I came back a week later, they named their price first and we agreed on a fee of £12m