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Do I need to read my loan documents?

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If I have one word of advice it is that you should always read anything before you sign it, more importantly you also need to understand it. Always read the fine print when you receive your "Loan Offer Documents" from any lender. Make sure you're getting what you applied for, especially when it comes to fees and charges. Some Lenders may charge a “Fixed Rate Break Fee" just ensure your lender or mortgage broker has explained these in full and up front. As a general rule personally I would prefer to sign terms and conditions with my own clients so that we can go through the documentation together, any questions as they arise can then be explained. You are also well within your rights to obtain legal advice and take the documents to your solicitor in order to have them looked at before signing. Whichever option you choose I encourage you to be comfortable and that you understand exactly what you are signing.

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