Answer: Legal and ethical
Explanation:
The legal and the ethical are the principle or the standards that helps in managing the actual human rights based on the given law by the government.
The ethical and the legal are the legal standards that helps in developing the legal practices, laws and also the rule such as honesty and integrity.
According to the given question, the Mortgage broker is basically structured the higher price loan and agrees for borrowing the credits based on the legal and ethical standards.
Therefore, Legal and ethical is the correct answer.