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and by common sense and more recently legislation, thats exactly what should be happening with brokers and bankers alike. Having said that, there are still situation where borker/banker need comes before client need and thats unfortunate, but is common in all field of human endeavour. ta'...

One should also never assume a "consumer" should know their obligations of disclosure and the like. One should make sure that the consumer seek independent legal, financial, taxation and many other forms of advice whenever they look to get into any form of agreement, including financial...

meaning ?? not falling on either side here, but brokers bring fwd trail for any number of reasons. ta rolf

As is often the case I suspect there are 3 sides to this story,and perhaps even 4 the borrower the broker the vendor the "truth" ta rolf

conversely I have a bunch of clients that have done ok,even in recent times, and very well when the market was moving many many moons ago. OTP needs to be individually assessed and has a bunch of added risks that need to be considered. The much flogged stamp duty savings in no way make up...