Give the key terms their own line on your checklist.
The essentials
A mortgage offer contains more than a headline rate. Identify the amount borrowed, payment schedule, interest structure, fees, and conditions that must be met. Check whether any figures are estimates. Compare the final documents with earlier quotes and ask about differences before signing.
Put it into practice
Look for charges on early repayment, late payments, and optional products. Ask who will service the loan and how payments are made. Keep a complete copy of the documents. If a term is difficult to understand, ask the lender or an independent adviser to explain it in everyday language before you commit.
Before you decide
Use this guide as a starting point for your own questions. Check the current terms in your documents and the rules where you live. Keep a short written record of the options you compare, the details you still need, and your next step.
This is general educational information, not personal financial, insurance, tax, or legal advice.