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I wouldn't call it "broker shopping", more "making sure broker knows what they are doing". It's not hard to get a dud mortgage broker and I've had my fair share in the past.

And loathes the western suburbs of Melbourne?

What would be the reasoning for not lodging a loan? Wouldn't it be better to just tell the client you don't want the job?

Wow there's a possibility of the broker not lodging the loan? That's appalling! What is wrong with people?