Pepper charge more than other banks. Are you sure that no other bank will do what you want? If you go to a broker, the broker should assess your circumstances before applying anywhere and recommend the most suitable lender to you, which may or may not be Pepper. Additionally, if your application is not straightforward a broker may be able to add the benefit of experience in presenting your application to improve your chances of being approved. That's what you'd be paying a fee for. On the other hand, if you're 100% sure that Pepper are the best / only lender for you and that your application will be accepted by Pepper, then I'd second what RedOnion suggests and propose to the broker that they'll refund the €260 out of commission when you draw down.