Broker Bulletin

Why are deals still being left on the table in the non-standard lending space, and what do brokers need to do to achieve greatness in this niche? In this episode of Broker Bulletin, Michael Wasef, Director at Ontime Finance, sits down with Aaron Taylor, Head of Non-Standard Lending at Bluestone, to talk about the customers who don’t always fit the standard lending box. You’ll hear: Why self-employed customers can struggle with mainstream lending, and where the opportunity is for brokers The extra question that can uncover more options for your customers Where brokers could be missing opportunities across non-prime lending Like this episode? Leave a review! Don't miss an episode: Subscribe to the Broker Bulletin podcast channel on your favourite streaming service. Got questions, ideas, or a guest suggestion? Drop us a line at podcast@lmg.broker. You can also connect with us on Instagram @lmg.broker and on LinkedIn. Want to know more about LMG? Show notes (timestamps): 01:13 – The big shifts: negative gearing, SMSF and DTI changes 02:17 – Why self-employed customers still get told no 05:15 – The non-prime opportunities brokers leave on the table 07:42 – What separates brokers who write complex deals from those who don't 12:10 – Why borrower storytelling and broker notes matter 18:04 – Why non-bank borrowing capacity beats mainstream banks 25:13 – Inside Bluestone's new construction product See omnystudio.com/listener for privacy information.

Success in broking rarely comes down to one big moment. It's built through the habits, conversations and support systems that happen every day. In this episode of Broker Bulletin , Alberto Gorgioski sits down with Loan Market Double Bay broker Max White to unpack the practical habits behind his growth. From committing to consistent prospecting and earning trust in every client conversation to leaning on the people around him. Max shares what's worked and why none of it happened alone. Whether you're just starting out or looking to sharpen your own approach, this conversation is packed with ideas you can put into practice. In this episode, you'll hear: Why consistent prospecting still drives the majority of Max's business How a strong support network has helped accelerate his development What it takes to build credibility with clients, regardless of age or experience Like this episode? Leave a review! Don't miss an episode: subscribe to the Broker Bulletin podcast channel on your favourite streaming service. Got questions, ideas, or a guest suggestion? Drop us a line at podcast@lmg.broker. You can also connect with us on Instagram @lmg.broker and on LinkedIn. 00:27 Meet Max White 01:01 Taking the leap into broking 02:28 The value of a strong support network 05:04 Solving real problems for first home buyers 07:39 Why personalised advice wins 08:20 Preparing for bigger opportunities 09:24 Earning trust early in your career 11:52 The prospecting habit that still delivers 13:17 One calendar habit every broker can adopt 14:15 1% Improvement: consistency compounds See omnystudio.com/listener for privacy information.

Thirty year loan terms, no annual reviews, no GSAs on trading businesses, and loans up to $15 million. In the latest Broker Bulletin, Blue Crane Capital's Chris Hall sits down with Ben McKell, Head of Commercial at Brighten for LMG, to reveal how the newest kid on the LMG Lending block wins against the banks and other non-banks on commercial deals. From specialised assets like childcare and boarding houses, to a private credit product that lends to individuals, trusts and non-residents, this is a masterclass in where the opportunity sits in commercial lending right now. You'll hear: Why credit appetite, not rate, is what actually wins a commercial deal Why $15 million loans and 30 year terms are rewriting the rules for brokers How a complicated $1 million deal can get across the line Like this episode? Leave a review! Don't miss an episode: Subscribe to the Broker Bulletin podcast channel on your favourite streaming service. Got questions, ideas, or a guest suggestion? Drop us a line at podcast@lmg.broker. You can also connect with us on Instagram @lmg.broker and on LinkedIn. Want to know more about LMG? Show notes timestamps: 02:02 Inside the Brighten by LMG offering: $15 million loans, 30 year terms, no annual reviews 03:06 Where the wins are right now: alt doc up to $5 million at 80% LVR 05:43 The private credit playbook: specialised assets from childcare to caravan parks 12:29 Real deal case study: the $10.2 million asset with a DA already in place 18:09 Lease stock demystified: lending to individuals, trusts and non-residents 22:14 The bridging loan policy change making waves with brokers 25:15 Why credit, not rate, is what actually wins commercial deals 33:24 The diversification opportunity every residential broker should know about See omnystudio.com/listener for privacy information.

The real cost of non-compliance (and why compliance-by-design works) Investigation volumes are at record highs. Lenders are suspending accreditations fast, and the fraud behind it is getting harder to spot. In this episode of Broker Bulletin, LMG Chief Risk Officer Luke Jarmaine sits down with Mel Cooney, LMG's Manager of Broker Compliance Consulting, to break down what's really driving the current wave of investigations and how brokers can protect themselves without adding hours to their week. In this episode, you'll hear: Why "the lender didn't ask for it" won't protect your accreditation How AI-driven fraud is slipping past brokers, and how lenders are catching it Why compliance by design means MyCRM does the heavy lifting for you Like this episode? Leave a review! Don't miss an episode: Subscribe to the Broker Bulletin podcast channel on your favourite streaming service. Got questions, ideas, or a guest suggestion? Drop us a line at podcast@lmg.broker. You can also connect with us on Instagram @lmg.broker and on LinkedIn. Want to know more about LMG? Show notes timestamps: 00:27 Introducing Luke Jarmaine and Mel Cooney 03:01 The current regulatory environment and why investigation volumes are at record highs 04:24 Busting the biggest compliance myths brokers still believe 06:06 The credit guide gap catching brokers out 09:09 How AI-driven digital fraud is fooling even experienced brokers 12:55 Why referral arrangements need the same due diligence as everything else 16:38 Compliance by design: how MyCRM builds obligations into the natural loan journey 19:40 What's next for MyCRM, including My Documents See omnystudio.com/listener for privacy information.

Your cyber insurance won't save you from a phishing link. Neither will an ISO 27001 certificate. So what will? In this episode of Broker Bulletin, Mel Cooney sits down with LMG's Group Chief Risk Officer Luke Jarmaine to unpack the real risks brokers are facing as AI adoption accelerates across the network, and what to actually do about it. In this episode, you'll hear: How not to lose an accreditation over an AI note-taking tool The truth about what cyber insurance does and doesn't cover The phishing scam that compromised broker emails nationally Like this episode? Leave a review! Don't miss an episode: Subscribe to the Broker Bulletin podcast channel on your favourite streaming service. Got questions, ideas, or a guest suggestion? Drop us a line at podcast@lmg.broker. You can also connect with us on Instagram @lmg.broker and on LinkedIn. Want to know more about LMG? Show notes: 00:49 – The current appetite for AI across the broker network 01:13 – The core risks: data protection and human-led credit advice 02:42 – The AI note-taking mistake that cost a broker their accreditation 04:34 – Why cyber insurance isn't the safety net you think it is 05:32 – The phishing scam that compromised broker emails nationally 06:56 – A practical checklist for choosing and using AI tools safely 08:08 – What "frontier AI" means and why it's changing the threat landscape 12:49 – Luke's top 3 things brokers should do today to stay protected See omnystudio.com/listener for privacy information.

The two-minute phone call that could save your business: inside My Lending Co's compliance-first growth story Nine systems to complete one deal. A security scare sorted from the school pick-up line. And a broker note lenders keep thanking them for. In this episode of Broker Bulletin, LMG's Luke Jarmaine and Mel Cooney sit down with Kayla Smith and Kristina Siegert, who built My Lending Co from scratch 18 months ago in Brisbane, to talk compliance, systems, AI and the real cost of getting security wrong. In this episode, you'll hear: Why compliance and systems beat every other factor when choosing an aggregator How a two-minute security check gave two business owners genuine peace of mind Why lenders keep thanking Kayla and Kristina for their broker notes Like this episode? Leave a review! Don't miss an episode: Subscribe to the Broker Bulletin podcast channel on your favourite streaming service. Got questions, ideas, or a guest suggestion? Drop us a line at podcast@lmg.broker. You can also connect with us on Instagram @lmg.broker and on LinkedIn. Want to know more about LMG? Show notes: 00:49 – Kayla and Kristina introduce My Lending Co and how it started 02:04 – Mel's school-based traineeship story and how it led to Kayla's career 07:15 – What Kayla and Kristina actually looked for in an aggregator 08:59 – Discovering MyCRM after juggling nine different systems 16:34 – The security scare sorted in two minutes flat 20:16 – How compliance has shaped their client experience 23:07 – Using AI to save time on broker notes and QA checks 27:34 – Their future goals: more efficiency, not necessarily more scale See omnystudio.com/listener for privacy information.

How do you grow a brokerage without becoming the bottleneck? Growing isn’t usually the hard part. Letting go is. This week on Broker Bulletin, Mel Griffin sits down with Liz Zaki, Managing Director of OneSite Finance, to unpack the systems, habits and mindset shifts that helped her build a successful brokerage over 23 years. Without losing the personal service her clients know her for. In this episode, you’ll hear: The simple four-stage workflow that helped Liz scale her team How to know when it's time to delegate Why saying no can build a stronger business The support network every broker should have before tackling difficult deals Like this episode? Leave a review! Don't miss an episode: subscribe to the Broker Bulletin podcast channel on your favourite streaming service. Got questions, ideas, or a guest suggestion? Drop us a line at podcast@lmg.broker. You can also connect with us on Instagram @lmg.broker and on LinkedIn. Show notes: 00:27 Mel welcomes Liz Zaki, Managing Director of OneSite Finance 01:01 23 years in business, and the team Liz has built along the way 02:06 The staged system that let Liz hand off work and grow her team 05:03 How Liz decides when to say no to a new client 08:49 Building a business around family, not the other way round 11:22 Handling the emotional load clients bring to their broker 13:12 Why BDMs and fellow brokers are Liz's village when a deal gets tough 20:14 The 4:30am habit that keeps Liz's inbox under control See omnystudio.com/listener for privacy information.

Rate cuts, sticky inflation, and a federal budget that just rewrote the rules on negative gearing, CGT and SMSF lending. In this episode of Broker Bulletin, Clare George from LMG Commercial catches up with Vanessa Rader, Head of Research at Ray White. Together, they unpack why that gap is about to send serious investor capital pivoting into commercial, and where the opportunities are already emerging. In this episode, you'll hear: Why new negative gearing policy is pushing investors toward commercial How the SMSF residential borrowing ban could release commercial demand Why industrial remains the standout pick amid a national land shortage Like this episode? Leave a review! Don't miss an episode: subscribe to the Broker Bulletin podcast channel on your favourite streaming service. Got questions, ideas, or a guest suggestion? Drop us a line at podcast@lmg.broker. You can also connect with us on Instagram @lmg.broker and on LinkedIn. Show notes: 01:21 How sentiment has shifted since November, rate hikes and sticky inflation 03:14 Why a housing-focused budget is actually a catalyst for commercial 04:23 Negative gearing quarantine and why strata industrial looks attractive 06:23 The real risk profile of commercial: vacancies, incentives and property management 08:46 CGT changes explained: indexation replacing the 50% discount from 1 July 2027 10:07 The SMSF residential borrowing ban and what it means for commercial demand 13:12 Vanessa's number-one piece of advice for brokers guiding clients into commercial 14:14 Will a wave of investors pivoting to commercial push prices up? See omnystudio.com/listener for privacy information.

The federal budget breakdown to find opportunities for brokers following fundamental changes to capital gains tax (CGT), negative gearing and the scrapping of residential SMSF lending. Loan Market Business Owner Blake Chandler and Thinktank's Head of Partnerships and Distribution, Joel Harrison, cut through the noise on this week's episode of Broker Bulletin. What you’ll take away: Why residential SMSF is being scrapped, and what to do before the cutoff Is negative gearing dead? not even close. The truth behind the headlines. Exclusively for brokers. The Thinktank story: 20 years, $10 billion under management, and why they're broker only Like this episode? Leave a review! Don't miss an episode: Subscribe to the Broker Bulletin podcast channel on your favourite streaming service. Got questions, ideas, or a guest suggestion? Drop us a line at podcast@lmg.broker. You can also connect with us on Instagram @lmg.broker and on LinkedIn. Show notes: 00:35 Joel introduces Thinktank and its 20-year history in commercial lending 02:16 Why brokers use Thinktank, and what sets non-bank lending apart 05:22 Residential SMSF lending scrapped, the 10 August cutoff explained 07:34 Why commercial SMSF is the next opportunity for resi SMSF clients 09:11 Is negative gearing dead? Debunking the myth 12:39 How capital gains tax changes are reshaping ownership structures 16:58 Why Thinktank pioneered the 30-year set-and-forget commercial loan 26:17 Commercial lending's growth trajectory, from 30% to 60% of volume’ 35:22 Reach out to your LMG white label BDMs for Thinktank support See omnystudio.com/listener for privacy information.

Caroline Mundey was told that narrowing her focus was a risky move. She did it anyway, and it paid off. Having lived through the instability of renting as a single parent, Caroline knows firsthand what it means to feel financially vulnerable. That experience gave her a clear direction on who she wants to help and Tevey Loans was born. In the latest Broker Bulletin, LMG’s Erin Manhood sits down with the business owner to unpack how she turned her experience into a sharply defined niche and the unexpected benefits that came with it. You’ll hear: Why outsourcing loan processing let Caroline stay at the coalface of her business How building out a niche grew her pipeline instead of shrinking it Why the community model behind her referral network has been so successful Like this episode? Leave a review! Don't miss an episode: Subscribe to the Broker Bulletin podcast channel on your favourite streaming service. Got questions, ideas, or a guest suggestion? Drop us a line at podcast@lmg.broker. You can also connect with us on Instagram @lmg.broker and on LinkedIn. Show notes: 3:27 – The personal experience that first shaped Caroline's niche 04:43 – Choosing face-to-face meetings over remote broking for regional clients 05:27 – The risk of narrowing her niche, and why the wider market came anyway 06:41 – The social media fear, and the "done is better than perfect" mindset shift 09:38 – How networking discomfort became one of her biggest business assets 13:31 – The client story: hidden mortgage hardship and a husband's secret job loss 21:12 – Inside "Fresh Start," Caroline's 14-professional community event 22:39 – What's next for Tevey Loans, including an umbrella brand and a podcast See omnystudio.com/listener for privacy information.

High LVR: super high cost, complicated, high risk, only for first home buyers. Sound familiar? In this episode of Broker Bulletin, Kath Persoglia sits down with Mario Emmanuel, Co-Founder of Skip by LMG, to debate the realities of high LVR lending and the current sentiment in the market around these products. Busting the myths around 98% LVR lending, Mario shares some real client stories, from a finance professional earning close to $1 million who chose a 98% LVR loan over selling her investments, to a family who went from a $1.1 million budget to $1.3 million without finding extra cash, to a newly single mum who used Skip to rebuild her life after divorce. What you'll take away: How Skip keeps things simple: single rate, single tenor, fast turnarounds Why high LVR doesn't have to mean weaker serviceability Why a cash buffer can be the smarter, safer option Why Skip is helping far more clients than just first home buyers Like this episode? Leave a review! Don't miss an episode: Subscribe to the Broker Bulletin podcast channel on your favourite streaming service. Got questions, ideas, or a guest suggestion? Drop us a line at podcast@lmg.broker. You can also connect with us on Instagram @lmg.broker and on LinkedIn. Show notes: 00:00 Welcome and introducing Mario Emmanuel, Co-Founder of Skip by LMG 06:17 The story behind the rebrand from Sucasa to Skip 07:48 Myth 1: high LVR loans mean weaker serviceability 13:42 Myth 2: high LVR is automatically high risk 17:07 Myth 3: a 98% LVR loan is too complicated to write 22:13 Myth 4: low deposit lending is only for first home buyers 23:39 Real client stories: investors, upgraders and divorce recovery 32:50 Key takeaways for brokers and how to get started with Skip See omnystudio.com/listener for privacy information.

Jason Wylie has always been a high performer. But writing big numbers was never the actual goal. In this episode of Broker Bulletin, the Director and Principal Broker at Loan Market Capital sits down with Alberto Gorgioski and gets candid about what building a business really looks like from the inside: the hires that changed everything, the leadership lessons that took years to land, and why culture will always beat volume when it comes to the long game. His real goal? Building a company so well known, so trusted, and so good to work for that people come knocking on his door. In this episode, you’ll hear: Why a toxic high-performer is still a no, even if they write $100 million a year The social media strategy turning cold calls into warm ones The one hire every growing brokerage needs before they think they’re ready Like this episode? Leave a review. Don’t miss an episode: Subscribe to the Broker Bulletin podcast channel on your favourite streaming service. Got questions, ideas, or a guest suggestion? Drop us a line at podcast@lmg.broker. You can also connect with us on Instagram @lmg.broker and on LinkedIn at LMG. Show notes: 01:12 The honest reality of hiring new-to-industry brokers: 12 months, cash flow hit, and what Jason is doing differently now 04:08 The hardest leadership lesson: not everyone is like you, and why that’s actually the point 05:00 The social media warm-call strategy: get referral partners following you before you pick up the phone 10:34 How Jason protects culture at interview stage, and why a toxic $100M writer still doesn’t get the job 15:23 The Head of Growth hire: why Jason is doubling down instead of pulling back 22:43 The one hire every growing brokerage needs, no matter what stage they’re at 28:39 What’s next for Loan Market Capital: book purchases, new brokers, commercial expansion See omnystudio.com/listener for privacy information.

Most brokers shy away from complex scenarios. Sue Vuong has built her whole career on them. A chartered accountant turned mortgage broker, Sue has built her Perth-based business on the clients others turn away: the self-employed, the complex, the ones who've already heard no. In the latest Broker Bulletin, Loan Market Chief Marketing Officer Angela Tracey sits down with Sue to unpack the mindset, systems, and real-world wins behind a broker who's built her whole reputation on being the trusted advisor in the room. What you’ll takeaway: Why honesty when things go wrong is your most powerful trust-building tool How a partnership took her pipeline to exponential growth Why the lowest interest rate isn’t always the goal Like this episode? Leave a review — it helps us reach more brokers who need to hear it. Don't miss an episode: subscribe to Broker Bulletin on your favourite streaming service. See omnystudio.com/listener for privacy information.

Most brokers look at gross revenue and think they're on track. MK says that's exactly the problem. In this episode of Broker Bulletin, LMG's Denya Dean sits down with Michael Karpathakis, National Head of Business Performance at LMG, discussing what it takes to run a profitable, scalable broker business. No fluff. Just numbers, frameworks, and real examples. Including how one business stripped $470k from its P&L while still growing at 1.5x. If you've ever said "I think we're doing okay" without actually checking the numbers, this one is for you. In this episode, you'll hear: The three monthly metrics that separate thriving brokerages from ones that just look busy Why overstaffing is quietly killing profit margins How to shift your mindset from broker to CEO Like this episode? Leave a review — it helps us reach more brokers who need to hear it. Don't miss an episode: subscribe to Broker Bulletin on your favourite streaming service. See omnystudio.com/listener for privacy information.

George Massouridis, Founder and CEO of Mortgage Navigators in Sydney, has built something that most brokers only dream about; a business with real longevity, a team that stays, and a growth strategy that’s just getting started. In the latest Broker Bulletin, LMG's Grace Ormsby sits down with George to find out what nearly 27 years in the industry has taught him, as he embarks on a new era of growth. In this episode, you'll hear: Why George treats every single day as a privilege and how that mindset has shaped everything How a referral partnership and a rigorous accountant accreditation strategy are fuelling the next phase of growth The culture behind a team where one staff member just celebrated 25 years Like this episode? Leave a review. Don't miss an episode: subscribe to the Broker Bulletin podcast channel on your favourite streaming service. See omnystudio.com/listener for privacy information.

Most brokers hear "trust lending" and brace for complexity. Laura Waters, Head of Residential at Podium Money, sits down with Raj Kapoor from Apollo to strip back the confusion around non-trading trust and company lending. From succession planning families to sophisticated investors, trust structures are on the rise and brokers need to be positioning themselves now. In this episode, you'll hear: Why Apollo's simple trust policy could change how you approach these deals The one thing Laura says every broker must do before a client buys in a trust How Apollo cut trust lending rates by 40 basis points and saved brokers thousands in fees A practical, no-nonsense conversation that makes trust lending feel exactly like it should — straightforward. Like this episode? Leave a review! Don't miss an episode: Subscribe to the Broker Bulletin podcast channel on your favourite streaming service. You can also connect with us on Instagram @lmg.broker and on LinkedIn. Show notes: 00:27 — Laura Waters and Raj Kapoor introduce the episode and the trust lending myth 00:50 — What is non-trading trust or company lending, and what is an SPV? 01:11 — The clients using trust structures: self-employed, families, succession planning and sophisticated investors 02:19 — How to prepare a trust client properly (and why the deed must come first) 03:57 — How Apollo's dedicated credit team works and what makes a strong trust application 05:06 — Apollo's 40 basis point rate reduction on non-trading trusts and what that means for brokers 07:26 — The full policy picture: 85% LVR no LMI, EBIT, spousal income, negative gearing and the 2% buffer 08:43 — Apollo's simple trust assessment: when rental income alone is enough See omnystudio.com/listener for privacy information.

Most brokers know social media matters. Very few actually make it work. Diana Hemmad went from posting "dodgy" videos to building a community of almost 12,000 Instagram followers driving significant leads through her pipeline and simultaneously scaling her team from two to seven in a year. In this episode, LMG's Natalie Viney sits down with Diana to unpack the strategies, mindset shifts, and daily habits that have fuelled her growth. In this episode, you'll hear: Why the referral partner model failed Diana and what she did instead How to use authentic content to attract clients at scale The “3 Ms” daily habit that sets Diana up to perform every single day A refreshingly honest conversation about backing yourself, pivoting without shame, and building a business you actually love. Like this episode? Leave a review! Don't miss an episode: Subscribe to the Broker Bulletin podcast channel on your favourite streaming service. You can also connect with us on Instagram @lmg.broker and on LinkedIn. Show notes: 01:53 — Welcome and introduction: Natalie introduces Diana Hemmad 02:10 — What is a "mortgage architect"? Diana explains her positioning philosophy 03:07 — Diana's origin story: leaving the bank during COVID and starting fresh 05:22 — Business structure: from a team of two to seven in under 12 months 09:05 — The lead generation mix: referrals vs. social media 18:26 — Why the referral partner model didn't work — and the social media pivot that did 20:12 — 200% growth, the J curve, and the mindset shift behind it all 26:41 — What's next: plans to 5x the business in 12 months 30:26 — Diana's 1% daily habit: the 3 M's (mindset, mindfulness, movement) See omnystudio.com/listener for privacy information.

Most brokers are running hard. But running hard without a clear strategy isn't growth… It's drift. Michael Karpathakis, Loan Market's National Head of Business Performance, joins Denya Dean to share the simple system behind some of the country’s best performing broker businesses. In this episode, you'll hear: Why "drift" is the silent killer of broker businesses The 90-day check-in rhythm that keeps high-performers on track all year Three quick wins you can act on today How to reverse-engineer your KPIs A practical, no-fluff conversation for brokers who are ready to stop working in their business and start leading it. Connect with us on Instagram @lmg.broker and on LinkedIn. [URL] Show notes: 0:00 -- Introduction and welcome 1:04 -- What strategy actually means for a broker business 2:11 -- The real cost of not having a plan (and why even good businesses skip this) 3:03 -- Why simple beats sophisticated: the one-page strategy framework 4:16 -- When to set your plan and how often to review it 6:33 -- Visual accountability: making strategy visible for your team 9:18 -- The three traps brokers fall into when setting strategy 10:20 -- Three quick wins you can act on today 12:02 -- The power of buddying up and presenting your plan to peers 13:21 -- The mindset brokers need to make 2026 a genuine sprint year See omnystudio.com/listener for privacy information.

Andy Andrews didn't inherit a trail book. He left accounting because it bored him, spent five years learning his craft as a broker, took a leap of faith, and built Capital One Financial Services into a full-service, deliberately diversified brokerage in Walkerville, South Australia. The morning after winning Young Business Owner of the Year at the LMG Awards, he sat down with Erin Manhood for a genuinely candid conversation about what it took to build one of SA's fastest-growing brokerages. In this episode, you'll hear: The tipping point that tells you it's time to make your first hire Why referrals and relationships outperform digital strategy for building a resilient book How Andy runs a full-service brokerage across residential, commercial, SMSF and private lending It’s an honest conversation about growth, boundaries and what it really means to back yourself. Like this episode? Leave a review. Don't miss an episode: subscribe to Broker Bulletin on your favourite streaming service. Connect with us on Instagram @lmg.broker and on LinkedIn. Want to know more about LMG? Click here: lmg.broker/ Show notes: 00:27 Andy reflects on winning Young Business Owner of the Year at the LMG Awards 01:46 Inside Capital One Financial Services: Walkerville office, team of six, and the expansion next door 02:55 The intentional strategy behind full-service diversification: residential, commercial, SMSF and asset lending 05:00 Accounting to broking: why relationships beat numbers every time 07:30 The tipping point for your first hire, and why Andy wishes he'd done it sooner 10:00 Building a referral-led business: how mums, dads, brothers and sisters become clients 12:00 What success really looks like: growing client property portfolios, not just writing loans 14:00 Two pieces of advice for young brokers thinking about going out on their own See omnystudio.com/listener for privacy information.

He started alone in 2019. Now he's building the next generation of brokers from his own office.Rob Flynn launched Vorteil Financial Group the hard way. The Royal Commission had just wrapped. COVID was around the corner. And he was doing it solo in Perth. Six years on, he runs a lean, values-led brokerage with his wife Kat as business partner, a structured university internship programme (the only one of its kind in WA), and a client base built almost entirely on trust and referrals. In this episode, LMG's Simon Munkelt sits down with Rob at the LMG Growth Summit in Melbourne for one of the most honest conversations we've had on Broker Bulletin. No spin. No silver bullets. Just the real stuff. In this episode, you'll hear: Why diversifying into SMSF and commercial was the best business decision Rob made — and why he waited way too long How hiring on attitude (not just skill) led to WA's first finance internship programme — and three new staff members The one daily habit that changed Rob's growth trajectory: blocking an hour every morning to pick up the phone A grounded, practical conversation for brokers at any stage — whether you're just starting out or wondering what the next phase of growth actually looks like. Like this episode? Leave a review. Don't miss an episode: subscribe to Broker Bulletin on your favourite streaming service. Got questions, ideas, or a guest suggestion? Drop us a line at podcast@lmg.broker. Connect with us on Instagram @lmg.broker and on LinkedIn. Want to know more about LMG ? Show Notes: 00:27 — Rob Flynn introduced: founder of Forteal Financial Group, live at LMG Growth Summit Melbourne 00:56 — Navigating the Royal Commission, COVID and a WA market on its own cycle 02:33 — The decision to get an office early and signal intention from day one 03:30 — Bringing Kat into the business and learning to let go of control 05:00 — Why diversifying into SMSF and commercial was the biggest game-changer 11:30 — How the internship programme started — and why Rob now hosts six interns a year 20:43 — Systems, AI and how Rob thinks about scaling without compromising quality 25:00 — The trusted advisor model: being the person clients call with problems, not just loans 26:41 — Six-monthly reviews and why getting back on the phone changed everything 33:36 — Rob's 1% tip: block an hour every morning and just pick up the phone 35:00 — Final advice: build the right support network before you need it See omnystudio.com/listener for privacy information.