Preparation guide · March 2026 · 4 min read
Seven questions to ask before choosing a mortgage
A more useful conversation starts with the questions that reveal trade-offs.
Read time4 min read
Best forPreparation
Use it toAsk better questions
Before you read
Use this as a planning guide, not a checklist you need to perfect.
Mortgage decisions are individual. Save the parts that apply to your situation, write down your questions, and use them to make a more informed next move.
Questions worth asking
Ask about payment, total borrowing cost, prepayment privileges, portability, break penalties, qualification assumptions and what documents will be needed.
Keep the advice personal
Mortgage choices should reflect your property, income, plans and risk comfort. General information is a starting point, not personal advice.
Save these questions
Three prompts for your next conversation.
- What decision am I trying to make right now?
- What documents or numbers would make the decision clearer?
- What trade-off should I understand before moving forward?