A buy-to-let broker should explain which lenders and products it considers and how its recommendation relates to the property and applicant. Compare broker charges, lender fees and the proposed borrowing structure. Keep lending advice separate from independent advice on the

Compare refinance lenders using the same loan amount, term and assumptions about costs. The useful question is how the new borrowing changes your overall commitment, not simply whether its initial rate is lower. Ask for formal information that makes lender-controlled

A HELOC and a home equity loan should be compared by how funds are accessed, priced and repaid. Ask lenders to explain the structure of each proposal and the security involved. A similar initial payment does not mean that the

Compare jumbo mortgage proposals using the actual borrowing and property details rather than an advertised product label. Ask what documentation, reserves and underwriting conditions the lender would require. The strongest comparison joins pricing with a realistic understanding of the approval

A remortgage comparison should include product fees, broker costs and any charges connected with leaving the existing arrangement. Ask how the proposed deal changes payments and the remaining debt over the period that matters to you. The cheapest introductory rate