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Alistair
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The above theory is very good but as a broker manager for over 5 years there is a very simple rule for success in this business and that is “See Everyone”‘ I know that contradicts the above statement but if your starting out on your own then it is a great way to get infront of people. They might not need a loan but one of their fridns might and it is much easier to find that information infront of them than over the phone.

Both answers are correct.