It likely would be quicker to deal with a single provider, but the broker will be dealing with multiple institutions. There's a wide variation in how the banks deal with applications. I've gone through it with a couple last year, and then approval renewal earlier this year with them coming back looking for more detail not at all unusual. With one, even on the renewal they sought different documentation and more detail on accounts held with other banks, taking ~4-5 weeks to work through.