your wrong on all counts there
lenders all have different policies on what income streams they will and won't accept, employment periods, they assess liabilities differently. They have different policies for acceptable security types, loan to value ratios, postcode restrictions, acceptable loan purposes and use of funds. They have different loan servicing models that affect borrowing capacity. And, all lenders have a multitude of different products with different rates, fees, inclusions/exclusions etc etc
Brokers are licensed to provide credit advice, and save borrowers countless times from making otherwise costly uninformed decisions.
Your kidding yourself if you think the average consumer has the ability to solve all of this using Google and doing their own research. Brokers have access to lenders policies and procedures and are trained on them. Consumers can not access this information. Lenders would not permit it because borrowers could use it to manipulate outcomes. Brokers are trusted by lenders because we are contractually liable for the accuracy of information, lenders can clawback commission, and they can disaccredit brokers found to have done the wrong thing.
Anyway, you seem to think you know everything already so no doubt you knew all of these facts...
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