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Good luck trying to get a mortgage/refinance/cash out/top up these days by going to any lender direct. Even less chance trying to apply on line. Like an IFA you need to find an unaligned broker with at least an ACL to get the best outcome. Problem is nearly all of them are connected/aligned with the less than a handful of major aggregators and franchisees which are all now owned by the banks anyway! However the smarter borrowers/investors out there stick to their smart independent broker that knows how to massage and present the loan to the right lenders and even the right lenders this week may be the wrong ones next time around. Its an amazing specialised skill that is required right now. Your comment does show a lack of understanding of the mortgage broking industry.