Thanks for that, from what I read on this site, noone seems to have confirmed receipt of the commision from the bank or part there of. Therefore, if theres 5k to be made out of our loan, I'd like that 5k myself rather than the bank keeping it if I go to them directly. Munsterdude, from what you said, the best option is probably for me to negotiate say a 50 / 50 split with a broker if I can find one willing, am I safe to assume that an IFSRA regisitered broker would honour the deal if I had it in writing?