Hello community, I posted on Reddit and the community told me to come here and ask for suggestion/help as it will be more knowledgeable and helpful. I live with my parents and they have not changed or negotiated their home loan/mortgage ever since. I, like them, have absolutely no idea when it comes to the jargon, terminology and general gist of anything finance related. I have taken the initiative to try and 'learn' more about home loans/mortgage and by doing so, want to help them get a better deal because something tells me they are getting the short end of the stick right now with their current plan. For the homework I've done so far, there is so much conflicting information about who is better (i.e. bank vs broker). It also seems as though it depends on my parents financial situation as well. Honestly, it's a lot to take in right now for me (my parents are immigrants so I can see why they haven't bothered to 'shop' around). My question to the community is, how should I go about it? Do I stick with the bank or do I go to a mortgage broker? I have uploaded an image of their current home loan/mortgage and I'm sure most would agree we could score a better deal. Any help, suggestion, information will be greatly appreciated!