The Real Cost of “No Fees”

Most people fixate on fees and ignore outcomes. That is a strategic error.

A loan advertised as “no broker fee” is rarely cheaper. The cost is simply embedded elsewhere:

• Higher interest rates

• Longer terms

• Inferior lender selection

• Zero negotiation on structure

Professional intermediation has always worked the same way in serious markets:

You either pay transparently for expertise, or you pay silently through worse terms.

Banks price risk. Brokers price structure, access, and execution.

If someone claims they work for “free,” ask yourself one question:

Who are they really working for?

Finance has never rewarded naïve optimism. It rewards clarity, alignment, and control.