We need to refinance, should we use a mortgage broker or approach my or other banks?

Our current collateral loan is up for refinancing what are people doing today? I notice that more banks are advertising to go to them? I would be appreciated which is the best approach.

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In our case. We contacted our bank and was referred to a loan officer who requested a full finance history and updated valuations before they made an offer. To be fair to them it was not a simple refinance, their were quite a few tenancy issues as well. But the drop in equity was a big concern for the bank.

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