19/07/2026
Most buyers read a loan offer once, see the number they wanted, and sign.
Here are 3 red flags most buyers miss:
1️⃣ The comparison rate, not just the interest rate
The advertised rate looks great. The comparison rate includes fees and charges, and that's the one that shows you the real cost. A "cheap" loan can end up more expensive once you factor this in.
2️⃣ Exit fees and break costs
Fixed-rate loans especially. If your life changes and you need to refinance, sell, or pay it off early, some lenders charge more than you'd expect. Know this before you sign, not after.
3️⃣ Rate lock and offer expiry conditions
Some offers assume settlement happens within a set window. Miss it, or if rates move before then, and the deal you thought you locked in can change.
None of these are deal-breakers on their own. But they're the difference between a loan that works for you and one that quietly works against you.
Before you sign anything, send our team a DM. We'll go through the fine print with you.
