Before you commit to any mortgage strategy, or take advice from a lender, it’s important to understand where you really stand. Whether you already have a mortgage and want to escape the 30-year trap, or you’re preparing to buy your first home, clarity is key. The Financial Freedom Scorecard is a guided 1-on-1 conversation designed to help you see your full financial picture; what’s working, what’s missing, and where small changes could make a big impact.