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No, I think a broker has a better picture of a variety of banks and rates, compared to someone who deals with the same bank every single day. If you offer me a loan for 5.5%, how do I know if that is the best deal I can get? I see it and think, 'what a great bloke, he has given me .3% off the...

While the advertised rates may be the same, I would think that brokers would have a much bigger picture of how much different banks are willing to decrease their rates. For example, you or I may think a .5% reduction is great and walk away happy, but a decent broker would know that this...