I need to choose between mortgage offers soon, and the trade-off is whether ten years of payment certainty is worth the restrictions and full cost. The Oslo purchase is around NOK 5,832,000, with one lender quoting 5.88% fixed for 10 years.
The headline figure does not tell me enough because...
Send all candidates the same short scenario—two offers, different conditions and uncertain closing dates—and ask them to describe their process. Then compare answers rather than marketing language. Before signing, make a final list of included work, exclusions, separate expenses, the named...