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Mate, if you are talking about 20mil in loans, you may be right. However, if you've got, say 300k in loans, the bank isn't going to be quite as keen in direct dealing is it? I know my broker got me in through the 'custom finance' division of an investment bank (I know because they told me -...

Cant agree with this. A broker got me a deal that I wouldn't have had a chance of getting myself!