As with many services in life, you will get clients who can see the benefit in using a broker, others wont. Many broker clients are ones who are not 'Vanilla deals', i.e have bad credit, Lo Doc, etc. What brokers do is structure the loan as well rather than 'set and forget'. In some cases we also tend to help clients with budgeting and discipline by holding their hands. All for free to the clients. If they cant see the use then thats up to them.