Broker vs Bank: Who Actually Saves You More?
It’s the question we get asked all the time: “Why should I use a mortgage broker instead of just going to my bank?”
Short answer? Because banks sell their own products. Brokers (like us at Nude Home Loans) compare dozens of banks — and we work for you, not them.
Let’s break it down.
🏦 The Bank Route
Going to a bank means you’ll:
Only see their loan options (maybe 3–4 total)
Get one set of borrowing rules
Rely on a staff member who may or may not know first home buyer strategies
Possibly get upsold extra products (credit cards, insurances, etc.)
🔍 The Broker Route (That’s Us 🙋♂️)
Working with Nude Home Loans means:
Comparing 30+ lenders (including the big banks)
Access to exclusive broker-only deals
A tailored strategy based on YOUR goals
Help with grants, schemes, and lender tricks
Ongoing support from pre-approval to settlement
💰 Real Talk: Who Saves You More?
We did a side-by-side for a client last month — here’s the snapshot:
Same income, deposit, and property value
Bank offered: 6.29% rate, $0 offset
We found: 5.89% rate + 100% offset account
Result? $2,600+ saved in the first year alone.
That’s not even counting the better features and flexible redraw.
🤝 We Work for You — Not the Banks
Our fee is paid by the lender when your loan settles — not by you. But we’re not tied to any one bank.
We only recommend what suits you. That might be a major bank, or a smaller lender you’ve never heard of that offers a better deal.
Our goal = help you get approved, save money, and feel confident.
🧠 But Don’t Brokers Just Add an Extra Step?
Actually… we remove steps.
We chase banks for updates (so you don’t have to)
We gather your docs once and send them to multiple lenders
We explain the confusing stuff in real terms
We’re like your home loan tour guide. Only with less khaki.
👥 Real Nude Client Story: Dani in Footscray
Dani went to her bank and was told she couldn’t borrow enough to buy in the area she loved.
We reviewed her numbers, found a lender who viewed her income more favourably, and helped her buy a townhouse within 4 weeks.
“I didn’t even know there were better options out there. Nude made it easy — and I saved thousands.”
🛠️ What We Help With (That Banks Often Don’t)
Government grants & schemes
Family guarantor loans
Credit history blips
First home coaching
Investment strategies
✅ Want to See How Much More You Could Save?
If you’ve only talked to your bank, you’re probably leaving money on the table.
Let’s compare options and find your perfect fit.
