You’re at the bank listening to the mortgage banker talk, and you know this is important. But 15 minutes in, you realise all those comprehension lessons at school have failed you. You understand the individual words coming out of the banker’s mouth – but you have no idea what they mean when set up in a sentence. HDB loans, SIBOR loans, fixed deposit rate loans; he may as well be explaining it in Swahili. 20 minutes later, a form is shoved under your nose. As you lift your pen, you realise that you have no idea what you’re signing, you just want it to be over and done with. But STOP. The mortgage is something that’s going to be with you for a very long time. Often 25 to 30 years. That’s the entirety of your life from childhood to a working adult. Don’t just jump into it –...