The commissions paid by the lender to the broker are effectively the broker's source of income. Given the broker discloses to their client any commission arrangements ahead of submitting a loan application to a lender, is it correct that the lender's documents sent to the client will not need to disclose this a second time? a. Yes, if a client has been made aware of the commission arrangement already, they do not need to be advised again b. No, the lender will include the information on the commission arrangement with the documents sent to the client for signing c. The lender would check with the broker whether they have already advised the client of their commission arrangement before the lender would send any further information on commission arrangements to the client. d. The Loan Contract refers to the loan monies approved for the client so does not include any commission monies to be paid to the broker at a later date