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Where did you find the settlement agent and why didn't you use a solicitor instead? Lesson 4: don't mistake the law for what you might think is reasonable or common sense.

Did you actually realise the legal implications of this? That you are confirming you're not completing the contract?

It looks like a case of the broker not knowing the rules. Rules regarding witnessing of mortgage docs is a state by state requirement, it doesn't vary by bank. Anyone who has experience with Qld mortgage documents should know who can and cannot witness. The fact that the mortgage broker needed...