Five questions to ask before you trust anyone with your home loan

Anyone offering to help with your home loan should welcome hard questions. If they don’t, that itself is your answer. Here are five worth asking, of us and of anyone else.

1. Who pays you?

This is the question that explains all the others. If a bank pays them, they ultimately work for the bank. We are paid only by you, which is exactly why we can be on your side.

2. Do you ever take custody of my money or my loan?

The right answer is no. You should always transact directly with an RBI-regulated lender. Money and signatures stay between you and the bank; an honest advisor never sits in that flow.

3. Will you ask me for an OTP or my passwords?

Never share an OTP or a banking password with anyone, including us. A legitimate process does not need them. This single rule defeats most fraud.

4. Will you ever tell me to do nothing?

A genuine advisor will, when staying put is best for you. Someone who always finds a reason to transact is being paid to.

5. Can I see exactly what was done, and why?

You should be able to see every recommendation and every step you approved, with the reasoning behind it. Transparency after the fact is how trust is earned, not just promised.