Usually it doesnt cost you anything extra to access the services of an experienced mortgage broker like the award winning team at AXTON Finance. Lenders ordinarily pay a broker a commission made up of a small upfront payment and a management trailing fee that the lender considers would be a direct cost to them through a branch that would require marketing costs, staff expenses and other normal business overheads that a mortgage broking firm will incur at no significant risk to the lender. Because the rates and fees are pretty much always the same going through a broker as they are if you attempted to navigate the market yourself you dont have much to loose by appointing an experienced mortgage broker.