The old expression goes ” jack of all trades, master of none”. Yes there are the rare few among us who are polymaths but they are more the exception than the rule. When your issue is important and specific it is best to deal with a specialist.

There are those in the big 5 branches who do much more than just mortgages, they also open accounts for you, your investments, your insurance and credit cards. If your question is a general one, these may be great people to seek out. However when it is something more specific then it is time to seek out the advise of someone who is a specialist in that field.

The same applies in the mortgage broker channel. Given the diversity of the types of product available there are brokers who do mostly AAA files, … Read more