My bank vs a mortgage broker?

Your bank will tell you that they are the best choice for a mortgage because they want your business. However they may have stricter conditions for qualifying for a mortgage than some lenders. There are many lenders out there that may be able to offer you a better rate based on your particular needs or situation. A mortgage broker has access to many lenders and could assist you in this respect.

It is always advisable to shop around.

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