I am new to this forum. Looks like a buzzing place with lots of industry experts offering great advises. I have two loans that I would like to refinance (total $2.6m) for better interest. I already know the bank I would like to apply to. I am looking for a broker to do the paperwork. The broker I know is offering my only 15% of his commission as a cash back. However I am not sure what is standard. He says in past the cash back used to be higher but nowadays the standard is around 15%. My work colleague says he got 40% cashback from his broker some 2 years ago. Pls PM me if you know anyone who can do better than 15%.