@James ********

if filling out an on line application involved any of those things u mentioned then yes I too would use an agent

@Bashir ******

yes not always, took only an hour to do myself but already had the paperwork translated to English so can take longer if u need to get translations done

@Dzung **********

300k equals $13 ?

@Oliver *******

not sure bht + is cheap for couple of hours work

@Paul *******

not worrying about anything, was simply asking what advantages there were in using an agent, had some good answers... yours not being one of them. ;)

@Phil *****

yes, lots of photos and all the paperwork we have so fingers crossed now. Thankfully we still had the old refusal letter so were able to address each of the reasons they mentioned

@Phil *****

we beeen together 8 years now and have a 4 year old Son, only income is what I provide and that is paid weekly into her account. We have now just finished building a coffee shop and restaurant but not trading yet so no income from that but now have the paper work to say she owns property & land so fingers crossed on our latest application for her

@Gianpaolo *****

yes fully understand that as i was same initially and the whole process fogged my brain at first. Now having done a few i find it very simple

@Martin ********

ok, not sure which businesses its relevant for so just rather not rock that boat

@Gianpaolo *****

also seen a few refusal letters letters now and none mention the reasons u mention. Normally todo with income and available funds and no real reason to return