if there's any charges, conlanfirm they will tell u upfront, so just use je

and if u worry about commission, u try to think y they so eager to get work from u? cause u r the client/customer, and bank will pay the commission portion, not u

Deal directly with banker. Do not use Third party. Dont say never warn you before.

if your credit rating is weak or commitment high, outsource banker will know how to mitigate

Not true at all , those ppl are ex banker and they know how to game the banking system ( not in a good way ).

last time i bought house the property agent got their own banker agent help to go through your documents. if they said approve likely bank will approve too.

That why I say don't do it , go talk to any banker friend they can tell u alot horror story. If u kena blacklist by bank u won't even notice it one and no one will tell u . Only desperate ppl go for agency to get loan.

I were a outsource mortgage agent, to be frank we do everything according to the law and everything clean. There might be some hanky pank agent but I'm not sure.

We work very hard and much quicker than direct bank because we earn commission from bank for it, doing unproductive work = zero income. Basically, we are not as someone said will falsified your document etc as I don't want to go to jail also, we have to attend AMLA, KYC and alot alot more compliance stuff.

However, I don't social around, Im the type of people just do my stuff, there might be some agency who are hanky panky, then I don't know. However, you will have letter offer and lawyer, there is not much outsource agent can do to harm you, and I don't think there is any reason for them to harm you as well as you are not paying us a single cent, they just want their commission from bank then ciao.