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The goodfellow flooring borrower will have all the benefits of dealing with several brokerages that are both independent and tied. Getting the UK loan quote from your own bank is the most obvious way. This vastly increases the number of options available to the borrower. Broker panels exist online. Rather than getting a UK loan quote from a direct lender (i.e. a bank, which is lending you their own money directly) a broker will have access to several different lenders, for which he or she gets a commission.