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Thanks for the quick responses! It's only been little over a year since the 1st loan and currently in the process of setting up the 2nd loan. I feel bad/guilty if we were to change and my current broker loses out on the payments. I'll try and discuss again about loan structuring with her but if...

I'm currently thinking of changing mortgage broker due to language difficulties- having a hard time explaining concepts like debt recycling in a different language amongst other things. However, the current broker has been fairly good to us so I don't want to burn any bridges. The only issue...