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$500k+ mortgage and wondering where the catch is? There isn't one. Here is exactly how a broker gets paid. Refinancing through us costs you nothing. When the loan settles, the lender pays us a commission. You get the same rate as going direct, often better, with someone in your corner who is not employed by the bank. That is the whole model. No fee to you, no obligation to proceed, and if your current bank is already the best option we will tell you that and you will have lost a minute. Eight quick questions to see where you stand, then one of us rings to talk it through.