Using a competent bond originator to assist you does have merit, as it is a free service to you and can save you a lot of time. The important points to remember are never to fall for any marketing ploy or to make any decisions based on financial or pre-qualification information provided by an originator. If you are ever in doubt, call the bank directly. You are allowed to do this at any time, even if you are using an originator to assist you. I wish you the best of luck in purchasing a property and know that you can now speak confidently to anyone about the merits of using a bond originator.