Broker vs Bank: Who Actually Saves You More (and Who Just Wastes Your Time)?

So you’re ready to get a home loan.
You fire up the laptop, start Googling… and end up with 38 tabs open, a headache, and zero idea if you should talk to a bank or a broker.

Let’s settle this properly.

At Nude Home Loans, we get asked this every day:

“What’s the difference between using a mortgage broker vs just going straight to my bank?”

Short answer?
A broker (especially a good one near you) will almost always save you more time, more money, and a lot more stress.

Here’s why 👇

1. Banks Sell You... Themselves

Your bank will show you one thing: their loan.
If it fits you? Great.
If it doesn’t? Tough luck.

A bank doesn’t shop around. They don’t give you comparisons. They don’t care if someone else is cheaper.

They care about keeping you in their system.

2. Mortgage Brokers Work For YOU

We’re like your loan-shopping personal assistant — with spreadsheets, strategy, and a no-BS filter.

At Nude, we compare 30+ lenders (including the big banks and the smaller ones you’ve never heard of that often have better rates).

That means you get options, not sales pitches.

3. Better Rates, More Features

Because brokers deal with lenders every day, we know:

• Which banks are negotiating

• Which are slow right now (red flag)

• Which are offering cashback or fee waivers

• Which ones will give you a better deal based on your job, deposit, or loan type

We know the tricks. We know the traps.
And we steer you clear of the “shiny but terrible” loan options.

4. Brokers Handle the Paperwork (So You Don’t Have To)

Ever tried applying for a loan through a bank?

It’s like building IKEA furniture with no manual and missing screws.
You get 10 phone calls, a 32-page form, and nobody returns your email for a week.

With Nude Home Loans?
We handle all the paperwork, follow up with the lender, and make sure it actually happens — fast.

5. Advice That’s Actually... Advice

Banks follow a script.
Brokers give you guidance.

We look at your long-term plans, not just “how much can I borrow right now.”

Whether you’re buying your first home, refinancing, or investing, we tailor the advice to you.

But Are Brokers More Expensive?

Nope.

In fact, most mortgage brokers (including us) don’t charge you a cent.

We get paid by the lender after your loan settles. And by law, we have to act in your best interest — not theirs.

That means we’re on your side, every step of the way.

Real Talk: Who’s the Better Option?

Why Work With a Mortgage Broker Near You?

A local broker (like us at Nude Home Loans) gets the market, gets your lifestyle, and actually answers your texts.

We’ve helped heaps of Melbourne clients get into their first home with smart loan strategies and zero guesswork.

The Verdict?

If you want:

• More options

• Less stress

• Better deals

• Someone in your corner

👉 You want a broker.

And if you want a broker that’s clear, friendly, and actually gives a damn?
You want Nude.

Let’s Make This Easy

Forget spending hours on bank websites.

Let’s have a proper chat about what you want, and how we can make it happen.

👉 [Book your free chat with Nude Home Loans now]

No pressure, no suits — just good advice that actually helps.