When choosing a bank home loan, do you use mortgage brokers or simply go to the 3 big banks in SG and ask for an IPA directly? What are the pros and cons of using a mortgage broker?

There's no difference between going through a bank or through a mortgage broker. The only difference lies with if you go through a mortgage broker, he will earn a percentage of commission by referring you to the bank. On your part, you do not pay any additional fee GE process to getting your mortgage loan is the same as going through the bank directly.

However, there are times when the mortgage broker might share his commission with you as a form of incentive for you to go through him, instead of the bank directly.