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  • Should be able to speed through a (new) mortgage application. The guy we used got a new offer issued within 24 hrs when we re-negotiated the price down after the bank valuation was carried out.

  • Mortgage brokers usually put applications through a specialist intermediaries team, direct applications tend to go through a retail applications team. As a rule, anyone who is any good in the retail team will move to the intermediaries team so staff tend to be better, quicker and applications don't get sent back for stupid reasons.

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