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Arducius
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 or rejected for stupid reasons.
I've had a direct team tell me that they'd estimated I should be spending over three grand a month on going out which made my mortgage unaffordable. That's a lot of Nando's.