Mortgage Broker (mReferral or Meridian Finance)

Working through a licensed mortgage broker gives buyers access to rate comparisons across 20+ lenders simultaneously, often securing HIBOR + 1.25% deals unavailable to walk-in branch customers. Brokers earn fees from the bank (not the borrower) and are legally obligated to find the best available product. For complex cases — self-employed income, multiple properties, company purchases — a broker's lender relationships routinely unlock approvals that direct applications fail to achieve, making brokers an invisible but powerful tool for sophisticated buyers.