Let's say you are charged double for the first 5 years due to something that came up during underwriting. Does the broker's commission double as well? In some ways it makes sense, they are generating higher revenue and potentially doing more work, but doesn't this also create a conflict of interest? A transaction-minded broker, will not have the incentive to negotiate out of a rating (through well-worded cover letters, or conversations with underwriters) and therefore may no longer be working in the client's best interest.