1. Understand the objective
Your mortgage discussion starts with your goals, timing and concerns.
2. Explain the options
Review the relevant rate, structure, fees and flexibility in plain language.
3. Make conditions clear
Identify the documents and lender conditions that still need attention.
4. Keep the conversation open
Ask questions at every stage and discuss changes to your circumstances promptly.
5. Consider what comes next
Think about future moves, renewals and repayment plans when choosing the structure.
These are service principles. They are not guarantees of approval, a particular rate, funding time or financial outcome.