You need to cut to the chase when getting quotes for e-mortgage. What you really need is the APR (Annualised Percentage Rate) for comparison purposes, which should be the interest rate PLUS associated fees for taking out the loan. Ask for a personalised illustration. Also look out for prepayment penalties; charges made if you pay back the e-mortgage early. Then, hopefully, you can do a true cost comparison.

Be a smart buyer.  If you’re looking to buy a product over the internet do so with a suspicious mind. Take your time, and don’t buy the first thing you see. You can get very tired looking at websites, so take a break! You can’t   treat item buying like an expedition to a shopping arcade. In a bricks-and-mortar shop you have guarantees. You can see the product. You can take it back easily. The dealer can be ‘got at’ if there’s a problem. Not so with internet goods and services.