Banking Royal Commission (Australia 2018) made recommendation that the borrower, not the lender, should pay the mortgage broker a fee for acting in connection with home lending. This is currently not enforced by any legislation.

Outline the issue this recommendation attempts to solve. 200 words

What might be the potential problems against borrowers paying the mortgage brokers the fee instead of lenders? 200 words

What is a solution to these problems? 200 words