I hear you—when I refinanced last year, the “recording fee” caught me off guard. I’d already set aside extra for surprises, but somehow there’s always...

Yeah, skipping the inspection might save a few bucks upfront, but it’s a gamble. I’ve been through this process a couple times now and every time, som...

I get where you’re coming from, but I’ve been burned by variable rates before—one year things were fine, then bam, rates jumped and my repayments shot...

Honestly, I remember my first year—felt like I was drowning in random papers and receipts. The “drawer of doom” is way too real. Don’t stress too much...

Honestly, I get the loyalty angle, but I’ve had the opposite happen—stuck with a company for years thinking I’d get better treatment, only to find out...

I get where you’re coming from with the steady payments, but I’ve always been a bit wary of locking myself into extra monthly commitments. Life’s unpr...

I totally get what you mean about the process feeling random sometimes. Even after buying a couple of homes, I still get surprised by what they ask fo...

Honestly, I’ve started treating the fee sheet like a Where’s Waldo puzzle. Here’s what I do: first, I ask for a full list of every single fee—no matte...