One of the things that bothers me about the mortgage industry is the number of unscrupulous brokers that operate in this market.

Talk about giving the industry a bad name!

I worked for a mortgage lender until quite recently and I used to be shocked at the fees that brokers charged their clients. I mean lets put this whole "mortgage arranging" thing into perspective.

Assume I am meeting a client today. The guy walks into my office and sits down and has a chat with me about getting a mortgage.

It appears that he is not a "clean" client as he is suffering from a few credit problems. Well, I stroke my chin and let out a couple of sighs but wait, I CAN HELP HIM.

I tell the client that it is going to be difficult but I think I can help him. There may be a few "fees" but hey, at least he is going to get a mortgage and that is all he cares about isn't it?

So, he needs to borrow