 Critics of the mortgage planning approach counter this claim with the statement "sometimes people just want a mortgage and then to be left alone".That is, savvy buyers are capable of shopping among mortgage brokers rather than have a mortgage agent shop for them, regardless of how knowledgeable, ethical or affordable they are.Another criticism stems from the claim that mortgage planning is not a new concept, and seems to have grown out of the "debt management" movement popular in the late 1990s.