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

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Mortgage brokers work harder for you though you need not pay any higher rate than the financial institutions offer rates. Financial institution staff as per my experience dealing with them as a consumer is not very much willing to go through the details with you whereas mortgage brokers are willing to share and work up the numbers for you.