Short answer：Before signing, confirm the amount, pricing, repayment, fees and default terms match the intended arrangement. Advertisements and verbal rebate promises do not replace written documents.
Compare offer and contract line by line
Check the HIBOR tenor or prime reference, margin, cap, resets, term, repayment and prepayment conditions. Verify rebate timing and clawbacks and whether premiums are financed.
Confirm completion funding
Ask the solicitor and bank about drawdown conditions, documents, amounts and dates. Resolve inconsistencies in writing. Understand guarantees and security obligations rather than signing based on the monthly payment alone.
Before deciding
- Verify borrower and guarantor details
- Retain the final signed version
- List deposit and fee payment dates
Sources and method
Sources support the specific rules described. Checklists and hypothetical calculations are editorial explanations, not measured market results or individual approvals.
Revision：Removed unsupported experience, case outcomes and statistics; corrected the topic-specific rules and limitations described above.
Scope：General information only, not personalised legal, tax, immigration, admissions or investment advice.