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Some larger mortgage brokers are even in a position to offer exclusive and semi-exclusive deals. Often mortgage rates calgary alberta buyers will have several rejections to mortgage applications or even pre-approvals, which may also need being explained to potential buyers. If you apply for a mortgage using a mainstream lender you is going to be able to save on mortgage broker fees while you will effectively cut out the middle man. Remuneration levels vary with fully independent mortgage brokers working in a self-employment situation more likely to earn more than their employed counterparts. By definition, a home loan broker does not put any capital in danger as part of a mortgage transaction.