so will we know who is the lender??

and how about the terms?
like can we make more than the montly payment
what if we want to terminate the mortgage earlier?

真係唔知喎, 每 agent 同唔同 credit union 有 connection, 好難估係邊間, 但未必係 6 大 bank 就好大機會, 因為出邊的 credit union 可以有更好 rate! terminate 一般要比 penalty, 每間都唔同, 但多數 3 年後就唔需要 penalty. 妳每個月唔可以比多, 但年尾可以比多一次, 通常係唔多過 5%, 都係睇返 contract 點講

i mean will i know who is the lender gar... eg, will the agent tell me?

so everything is listed on the contract?
even 2 brokers get approval, i can choose the one with better terms?

how come only u and me are here only??
where is everyone else??

會, 一定會. 因為好要簽名o麻! contract 上會列明 - 借幾多, 點還, 年期幾耐, 年尾額外可還的 % ... etc. 而妳一日未簽名, 一日都可以轉另一間, 咪同 agent 講, 妳有一個更好的 offer o羅

okok... very good.....
coz i thought the broker won't tell me which lender tim

so after i sign the contract, it is just me and the lender?? and no more broker involves?

ben 放假執緊屋, 米奇 ... 可能嘔緊, 因為食得太多!   MT .. 今朝出現過, 可能再瞓o卦? captain 未夠鐘出現, 而其他繼續潛水

米奇 ... 可能嘔緊, 因為食得太多!  <-- i am going to have lunch with him today woh......
oh.. it reminds me to call captain at 10:30am to make sure she's up

咪跟開呢張單個 agent o羅, 妳可能係 1 yr fix rate, 5 yr fix rate ... etc, 到時到候佢會再搵妳同妳 review 過, rating 係不定期變, 時高時低o麻! 所以有人係用 daily rate, 一有錢就立即還多d, 咁會快好多, 但勁辛苦!

所以咪要再嘔多d, 唔係食唔落!