Just over the £450k LISA limit - any options?

[Natureninja]

I’m a first-time buyer using a LISA and looking to buy in/around London. I’ve found a property I absolutely love, but it’s listed at £475k. So unfortunately just above the £450k LISA limit.
My plan is to offer £450k initially and see how the seller responds, but realistically the property is probably worth more than that, so I’m expecting the offer may be rejected.
I’m trying to understand whether there are any legitimate alternatives. I could offer over £450k and take the LISA penalty, but that would mean losing around £9k, which is a huge hit. I also can’t currently afford to proceed without using my LISA as part of my deposit, so simply not using it isn’t really an option.
I’ve seen others mention covering the seller’s legal or estate agent fees as a workaround, though I’m unclear on the legality or how common/acceptable this is. I’ve also seen people suggest paying separately for fixtures and fittings, but from what I’ve read this can be tricky, especially justifying £10k+ of value.
I know sellers complete a TA10 form listing fixtures and fittings included in the purchase price, and that some items (e.g. radiators, carpets, fitted units, appliances, etc.) can technically be excluded. My question is whether sellers could legitimately exclude certain items from the purchase price and then have me pay market value for them separately.
I’d really appreciate hearing from anyone who’s been in a similar situation, or from anyone with legal/conveyancing knowledge who can shed some light on what is (and isn’t) possible here.

Thank you!

A solicitor acting for either side in a deal where you are 'paying separately' for things is risking their career.

Anything that attempts to obscure the actual price paid for a property is illegal. Paying separately for fixtures and fittings has to a) be things which a seller would realistically not usually leave behind (you’d struggle to make a convincing argument for fitted units and radiators) and b) be proportionately priced - you can’t pretend you’re paying £15K for some old curtains and carpets and a secondhand fridge freezer.

I’d focus on emphasising your position as a FTB with nothing to sell who is motivated to progress things as quickly as possible, and make it clear £450K is your maximum offer with no room to negotiate. How long has the property been on the market? An offer 5% under asking is perfectly within the realms of normal and expected.