oursourced bankers are not trained by the bank internally and might not be equipped with the legal implications of certain procedures but they do come in handy if you need to shop for best rate as they dont just represent one bank, so they are able to tailor something thats more fitting to your needs.

and they do know how to cut corners to get things done, at the expense of your risk

I jus don't want to be Gamed later stage by bank pulak

if your credit worthiness is good, why need to use agent?

plus, what's stopping the property agent to submit the application directly to officers of multiple banks? property agent noob?