With new home loan applications at record highs it's clear that plenty of Australians are in borrowing mode looking to take advantage of current record low interest rates. So should they be walking into their existing bank or finding a mortgage broker? In this episode, Lachy and Matt discuss the ins and outs of a decision which can impact your borrowing capacity, your interest rate, the time taken to get approved and, in many cases, the likelihood of your application being successful at all!