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When people shop around for themselves they end up with a low honeymoon rate that ratchets up to a very high rate in no time without them realising it. They don't get an all important offset account. They're also likely to waste lots of time and effort applying to lenders whose underwriting criteria they don't meet.

You may want to moderate your hate a little when it comes to mortgage broking Hedware. It's clear you know even less about it than you do about super. And your union mates at ME Bank are actually fairly reliant on brokers.