Had we been aware of the situation, we would have changed our plans. IF
We would have changed our plans if we had been aware of the situation.
I didn’t save any money. Now I’m broke. IF
If I had saved some money, I wouldn’t be broke now.
Correct or not? If Jack had been honest, he would return the money.
If Jack was/were honest, he would return the money OR If Jack had been honest, he would have returned the money.