Obviously im not educated fully in this area and anybody that is in this kind of position im obviously going to respect them and what they have to say. I'am one to probably just roll along with what im told at the end of the day as long as I get the loan and move into my property im happy. Whether im getting the best advice or not I would have no idea.
Be careful! A good way to get in trouble. You can't always roll along believing everyone is on your side. Sometimes they want to line their pockets first!