I was thinking the other day that if I had to choose just ONE professional out of them all (and yes they are all important), but if I had to choose just one, which one do I think would have the biggest impact on newbies building wealth, and I thought it just has to be the Finance/Mortgage broker. These are some of the reasons I came up with: 1) A good broker who knows what your goals are can put in place a financial structure that will support your short, medium and long term goals. 2) Most lenders use different models to determine your borrowing capacity and a good broker will be able to alert you to which lenders will suit your situation best. 3) Published interest rates may not actually be the most cost effective when comparing the varying fee structures of the different banks. An experienced broker can match your circumstances to a lender that will meet your needs best. 4) A good broker will also be up to date with the rapidly changing and complicated choice of finance options and be able to pick out with clarity what is most beneficial for the client at the time and for that particular purchase. 5) Good brokers will also have a great understanding of the criteria on which lenders will assess investment property finance applications and be able to save the client time from approaching the wrong lenders for their situation. 6) Good brokers will be able to advise you on which banks to go to first, second and then so on in order to maximise your ability to keep borrowing and avoid the ' financial brick wall' for as long as possible. This can greatly affect the time it takes, and the amount of wealth created. 7) They sometimes have business relationships with lenders that can influence a decision in favour of the buyer. 8) They can also have better negotiating powers with lenders that buyers may not have. I am sure there are more reasons, these are only a few of the important ones I can think of why Great Mortgage Brokers are probably the most important to a newbie to have on their journey to building wealth.