I'm sure this has been discussed before (but couldn't find any recent threads) but I am thinking of buying a 2 bedroom in Lamma, in Wang Long or Tai Wan New or Old Village, but will look at anything . . .

The questions are:
Any advisories as far as which realty agent to use/not use?
Any way to buy direct from owner, or find that kind of property?
Is it difficult to get a mortgage and how much does downpayment have to be?

OR anything else, including personal anecdotes, etc.

THANKS!