Independent advice is hard to come by. While there is always a spin as to what is in your best interests, it is a rarity to find a banker who is not towing the line for the ulitmate cause – shareholder profit. I fully support banks and any other company making profits – but not at my expense or at the expense of my clients. The banks have fantastic employees who are also great people and I have many friends and colleagues who work for major banks. The problem is, no bank is ever offering the best product for you at all times and even if they have it they may not offer it to you. My suggestion is: make a call to an independent mortgage broker or financial planner BEFORE you sign anything.