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It's cheaper for a bank to acquire loans via a broker than it is through their own staff. Through their front facing channels (branch and customer contact centre) they get the tyre kickers as well as the dodgy applications and the ones that don't get approved for whatever reason. That alone...

I do not charge my clients a fee for my service . The end. Though I don't want ASIC knocking on my door so I won't use that 'I' word.