'What are your personal and financial goals? Do you have a family? Are you planning to start a family? Will you take time off work? What about retirement? What about an RESP to fund your child’s education?'

... These are all questions that can be discussed with a mortgage broker as well who would simply refer you to a trusted, independent financial adviser who is going to offer a better level of service than the (potentially inexperienced) sales person at the bank.

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