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I purchased 2 properties last year. One direct with a big 4, another with a broker. One gave me approval in 4 days with only a desktop valuation required. The other submitted the application about a week prior to settlement :eek: One property I was waiting for the vendor a few days. The...

Thanks PT bear :)

Would one expect to get the same rates for a broker or going direct to a big 4 bank assuming you had excellent serviceability and history with that big 4 bank? Any advantages or disadvantages between going direct or using a broker?