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No service is free - whether you go to a lender direct or a broker - it forms part of the cost basis for the lender and is inputted into interest rate you pay. Lender/Broker is a cost of business for the suppliers of home loans (banks/lenders) - this cost forms part of the price of the...

Welcome Dave, great place to learn. In terms of process for an IP purchase, its usually a good idea to get a sense of your budget first. You'll need to either go to a bank or a broker to work this out (either will do, any of the Big4 should be fine for your scenario). They'll educate...