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For the vast majority of home loans, our service is lender paid. The lender pays the broker a commission for introducing and managing the loan, and that commission does not change your rate. In plain terms, you get advice and advocacy at no cost to you. You are not choosing between paying for a broker or going free to the bank. You are choosing between one option and many, at the same price.
The name of this practice is Get Yourself Sorted, and I mean it. My job is not to sell you a loan. It is to understand where you are trying to get to, then build the finance that gets you there and keep it working as your life moves. Some of my most valuable conversations end with me telling a client that now is not the right time, or that the deal in front of them is not the one. That is what an adviser does.
To be fair, if you have a very simple situation, a long standing relationship with your bank and a rate you have already checked against the market, going direct can be perfectly fine. The value of a broker rises with the complexity of your situation. Self employed income, a tight borrowing capacity, a first purchase, an investment strategy: these are where having someone in your corner pays for itself many times over, at no cost to you.
