The entire process of dealing with any finances is extremely intimidating for those not familiar with handling such matters. You would want the most attractive interest rates as possible, however, the security of the collateral and hassle-free dealing is also a consideration. Therefore, the wiser decision would be to analyse all the available market options, the certainty and reliability of the service and flexibility. It is advisable to keep the intermediaries in between you and the lending institution because of the the potential for higher interest rates compared to dealing directly with the institution and multiple commission tiers you may be indirectly be paying for with the increase in the number of parties involved.