Of all the financial arrangements that any individual or couple might enter into, a mortgage is the one that is going to be the largest and most significant commitment.

Anyone who wishes to do some financial planning with financial advisors will always have their mortgage front and centre due to the fact that the amount owed will be the greatest, the time to pay it will be longest, and the consequences of defaulting on a mortgage are the most dramatic, given that homelessness is possible.

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