Summarise Your Mortgage Offer in Plain English

The mortgage offer landed and it's pages of legal and financial language between you and a signature. This breaks it into five plain-English parts: the deal basics, what happens after the initial period, the revert rate, the catches. Read it before you sign so you know exactly what you're agreeing to instead of trusting that it's all standard.

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You have received a formal mortgage offer from {MORTGAGE_LENDER} and need to understand what you are agreeing to before signing. The document is dozens of pages of financial and legal language.
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<task>
**Summarise the offer into five plain-English sections:**
1. Deal basics: loan amount, interest rate type, initial rate period, and monthly payment
2. After the initial period: the revert rate and what that means in pounds per month
3. Key conditions: what you must and must not do while this mortgage is active
4. Fees and charges: arrangement fee, early repayment charges, and exit fees
5. Red flags: anything unusual or potentially costly worth raising with your broker
</task>

<output_format>
- Five clearly labelled sections in plain English
- A brief "questions to ask your lender" list at the end
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