ALISTAIR Darling, the Chancellor, hit back angrily yesterday following Nationalist claims that he should have done more to save HBOS. Alex Salmond has accused the UK government of standing "idly by" while HBOS was taken over by Lloyds TSB. The First ... This is also perhaps why mortgage brokers charge high for closing fees. A percentage of the closing fee you pay on a mortgage goes to the mortgage broker's personal funds. This, along with a few more fees, stands as their salary.