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@Stonehedge
Surely its the computer says no aspect of it which means its a really good idea to make sure everything is in order for submission.
I'm sure most people would be fine with a free broker but for us we didn't want to take any chances so we went with somebody who we knew for certain had the experience to deliver.
Besides, if you're about to stake a large six figure sum on a property that you really want to make your home I don't see an issue with paying a few hundred for the peace of mind.
I'm also sure that not all brokers are equal. Paying doesn't mean you'll get a good service.