- 19
- Episodes
- Daily
- Cadence
- 2026
- First episode
About Broker Capital
Real conversations with the mortgage broking industry's top performers. Broker Capital uncovers what's actually working right now, from building a high-performing team to scaling your loan book without burning out. If you're serious about growing a bigger, better brokerage, you're in the right place.
- Publisher
- Simon Lewis
- Category
- business
- Language
- en
- Explicit
- No
- First episode
- 27 Feb 2026
- Latest episode
- 12 Oct 2026
Latest episodes
19 episodes in the feed.
12 Oct 2026
Bootstrapped to 8 Figures: The AI Brokerage Settling 500+ Loans a Month
In 2020, Julian Fayad paused his mortgage, pulled $20K from his super and walked away from a $300k salary and equity to build a finance brokerage leveraging AI. Six years later, Loan Options AI is doing 8-figure revenue, processing 5,000+ applications and settling 500+ loans every month. No VC. 100% founder-owned. Julian breaks down how one support staff member can assist more than 25 brokers, how their tech prefills 80 to 90% of a loan application, and how they once got a client from first contact to funded in 25 minutes. For mortgage brokers: Loan Options AI works with 4,700+ referral partners, most of them mortgage brokers. Julian explains how the 50/50 revenue share works and what an average car loan referral is worth to you. In this episode: - Leaving a GM role mid-COVID to bet everything on digital lending - Bootstrapping: refinancing twice and guaranteeing $1M+ personally - ACE, ALOX and HALO: the AI tools behind 5-minute applications - Running 1 admin per 25+ brokers with 15% higher gross margins - Why they stay out of mortgages to protect broker partners - Embedded partnerships with Aussie Home Loans and Lendi Group - Hype songs, live leaderboards and under 10% staff turnover - Hiring for attitude with a scoring rubric - Aggregator API limits, broker consolidation and what AI means for your business Connect with Julian: https://www.linkedin.com/in/julianfayad/ (https://www.linkedin.com/in/julianfayad/) Loan Options AI: https://loanoptions.ai/ (https://loanoptions.ai/) Broker Capital funds Australian mortgage brokers against their trail book. Learn more: https://brokercapital.com.au/ (https://brokercapital.com.au/) Simon Lewis on LinkedIn: linkedin.com/in/simonlewisbrokercapital
21 Sept 2026
Building a $515M/yr Mortgage Broking Business with Three Referral Partners
Chris Raymond is a property investor who built a broking business around people exactly like him. Unconditional Finance settled around $515 million last financial year, and the model behind it is built on three things most brokers underrate: investor clients, referral partnerships and repeat business. In this episode, Simon Lewis sits down with Chris to break down how each one works. Why property investors make up roughly 80% of his book, how being an active investor himself shapes the way he advises clients, and why that focus builds the kind of long-term relationships that keep clients coming back deal after deal. Why you don't need dozens of referral sources to grow. Just three key partners generated around $150 million in new business for Chris. He explains how he targets up-and-coming property professionals and buyer's agents through direct B2B outreach, including Instagram DMs, and what makes a referral relationship actually last. How around 70% of his business now comes from existing customers, and how he engineered the shift away from constantly chasing new front-end leads. Chris also shares how he hands long-term clients over to his team without losing them, using credit analysts who already know the file. A practical conversation on building a broking business that compounds instead of starting from zero every month. Follow Chris Raymond here: https://www.instagram.com/chris_unconditionalfinance/ (https://www.instagram.com/chris_unconditionalfinance/) Reach out to Simon from Broker Capital here: https://brokercapital.com.au/ (https://brokercapital.com.au/) Subscribe to the Broker Capital channel so you don't miss an episode!
15 Sept 2026
$300M/yr Broking Business Built Entirely on Social Media
Peter Savage started on a factory floor, using overtime pay to buy his first investment properties. Today Savage Money settles about $25 million in loans a month and recently did $36.5 million. Pete's not done, he's building toward $75 million. In this episode, Simon sits down with Pete Savage Founder of Savage Money to break down exactly how he did it, and what most brokers get wrong. We get into: - Why niching down beats trying to please everyone - Charging a $1,500 engagement fee (and why clients respect the advice more when they pay for it) - Getting out of the operational bottleneck so the business can actually grow - Building leads through social media instead of chasing referral partners - The discovery call process that filters out time-wasters and lifts conversion - A broker pay model that rewards production and keeps good people from walking - Why rate-shopping brokers will get automated out, and where brokers create real value If you're a broker trying to scale, or you want to build a business around the clients you actually want to work with, this one's for you. Follow Pete Savage here: https://www.instagram.com/peter.savagemoney/ (https://www.instagram.com/peter.savagemoney/) Broker Capital: https://brokercapital.com.au/ (https://brokercapital.com.au/) 🎧 Broker Capital brings you real conversations with the people building Australia's mortgage broking industry. 👉 Subscribe so you don't miss an episode
1 Sept 2026
Building a $1B Brokerage in 3 Years through Acquisitions and Mergers
From a family milk run to building a $1B brokerage in just three years. In this episode of the Broker Capital podcast, we sit down with Jack Fouracre, CEO of Fouracre Financial, to unpack one of the most aggressive scaling stories in Australian mortgage broking. Jack didn't start with a silver spoon. He spent roughly a decade working in his father's milk run before pivoting into property and finance. His first crack at broking as a 22-year-old part-timer ended with zero deals. Fast forward a few years and he was writing close to $100 million in his first full year on commission, then launched Fouracre Financial and hit $20M to $30M months almost immediately. In this conversation we get into the real mechanics behind the growth: - How a partnership with a buyers agency cleared his debt and locked in around 200 leads a month - The 5 to 10 year M&A roadmap to consolidate operators and target a high-multiple private equity exit - How he funds acquisitions - The offshore playbook: 30+ staff in the Philippines handling credit and processing, with client-facing roles kept onshore - Why Jack runs a PAYG salary model instead of commission-only - His recruitment philosophy of hiring young and training internally rather than paying up for experienced brokers - The industry pain points keeping him up at night, from banks undercutting the broker channel on direct rates to non-prorated clawbacks and big-bank consolidation If you're a broker thinking about scale, mergers, offshore teams, or planning your own exit, this one is packed with practical insight from someone actually doing it. Reach out to Jack at Fouracre Financial https://fouracrefinancial.com.au/ (https://fouracrefinancial.com.au/) Apply for a trailbook loan at Broker Capital https://brokercapital.com.au/ (https://brokercapital.com.au/) Enjoyed the episode? Hit like and subscribe for more conversations with the operators shaping the future of broking.
17 Aug 2026
Scaling Smarter: Systems, Teams and the Future of Broking with Christian Patterson
In this episode, Christian Patterson, founder of Auctus Coaching, unpacks the systems, processes and strategies mortgage brokers need to scale efficiently and sustainably. Drawing on his own journey from writing loans to coaching brokers across the country, Christian explains why the wheels have to keep moving when you're not around, and how the right technology, team structure and marketing approach make that possible. The conversation covers building and scaling a support team, choosing the right aggregator and software stack, setting realistic targets for new brokers, and the case for charging engagement fees to build genuine client loyalty. Christian also shares the common mistakes brokers make in their first year, and where he sees the industry heading as AI and open banking reshape the way brokers work. As Christian puts it, "we're not reinventing the wheel, just making it go faster", a practical, no-nonsense look at turning a broking business into something that runs with or without you. Whether you're a new broker or established looking to break through a growth ceiling, this episode is packed with actionable insight on doing more with less.
4 Aug 2026
Broker Coach Sam Panetta & Simon Lewis Answer 32 Questions About Growing a Brokerage in 2026
Sam Panetta grills a huge tomahawk steak with Simon Lewis while they answer 32 questions about mortgage broking growth in 2026. Sam has scaled and sold a large mortgage brokerage and is now one of the leading experts in broker growth in the industry. He is also the Founder of Broker Coach, business coaching for brokers who want to write $10M per month or more. Questions: 00:37 – The process of acquiring a loan book, step by step 02:46 – What made you want to become a coach? 03:56 – What makes a quality book purchase? 05:23 – How critical is a niche, and what's a good example? 06:54 – The most important things to look for in a mortgage book 08:10 – The easiest way for brokers to do more marketing 09:45 – Where are loan book multiples trading right now? 10:57 – Does your content need to be polished, or is casual fine? 12:23 – What multiple is too high to pay for a book? 13:40 – How much does personal development drive business growth? 14:48 – How to build the most valuable book for sale 15:42 – What separates a $10M/month broker from a $4M one? 17:18 – The biggest red flags when buying a mortgage book 18:57 – The bad habits brokers need to break to succeed 20:00 – Best practice for retaining clients after buying a book 21:07 – When should a broker hire their first loan writer or admin? 22:27 – Can brokers value a book themselves, or is a professional valuation needed? 23:21 – What does a high-performing broker's week look like? 24:13 – Client loss when buying a book: what's typical, and how to protect against it 25:29 – The best client retention strategies you've seen 26:22 – Which metrics should brokers track, and which should they ignore? 28:42 – Borrowing against a mortgage book: how much can you borrow, and on what terms? 29:15 – What do brokers underestimate about the cost of growth? 29:59 – Do many brokers actually borrow to grow their business? 31:57 – Do you work with brand new brokers? 33:31 – The smallest broker and the largest deals you work with 33:36 – One change in the next 90 days for the biggest return 34:34 – Factoring clawback into price, and protecting against it 36:22 – Do you need a certain personality to be a successful broker? 37:19 – What do you know now that you wish you knew starting out? 39:05 – What do you wish you'd known when you got started? 40:23 – The future of the mortgage broking industry 41:17 – Where's the industry headed over the next 5 years? Sam Panetta, Broker Coach: https://brokercoach.com.au/ (https://brokercoach.com.au/) Simon Lewis, Broker Capital: https://brokercapital.com.au/ (https://brokercapital.com.au/)
21 Jul 2026
Ben Robinson: Writing $260M/yr with the Trusted Adviser Model
The next era of broking won't be won on rate. Ben Robinson's argument is that the brokers who matter in five years will be the ones clients treat as advisers, the people who understand the numbers well enough to tell them what to do, not just what's available. Ben is a partner and director at Flint and the lead strategist behind its regional client growth. He came into broking from accounting, and it shows in how he works: he reads a client's financial position the way an accountant does, then structures the debt around where they're trying to end up over the next decade rather than around the transaction in front of him. That's why complex investors; professionals, business owners, people with layered entity structures, keep finding their way to him. In this episode we cover: - Why an accounting background is broking's most underrated edge, and what most brokers miss when structuring for investors - Moving from rate broker to strategic adviser: what actually has to change in how you run client conversations - Why complex clients are the most defensible niche in the industry, and how to build the capability to serve them properly - Writing $265m a year: scaling deliberately rather than fast Organic marketing and social authority in a crowded market - The AI and tech Ben uses to strip out admin and buy back time for client work Ben Robinson on LinkedIn https://www.linkedin.com/in/ben--robinson/ (https://www.linkedin.com/in/ben--robinson/) Simon Lewis on LinkedIn https://www.linkedin.com/in/simonlewisbrokercapital/ (https://www.linkedin.com/in/simonlewisbrokercapital/) Broker Capital https://brokercapital.com.au/ (https://brokercapital.com.au/)
16 Jun 2026
Morgan Owen: From Breaking her Business to $160M/yr in Home Loans
Morgan Owen built Penny Finance from nothing, no banking background or industry experience, to $160M in annual loan volumes. Then the wheels came off. In this episode, Morgan shares the raw truth behind rapid growth: the partner buyout, the broken business, the painful reset, and how she rebuilt smarter. From her custom CRM and AI-driven lead nurture systems to her obsession with visibility and authentic storytelling, this is a masterclass in building a brokerage that lasts. You'll learn: → Why zero banking experience was actually her edge → What "breaking your business" really costs and how to come back → How content and visibility beat traditional marketing → The tech stack powering her business → Why the most visible brokers will win the next decade If you're an ambitious broker tired of chasing rates and leads, Morgan's story will save you years of trial and error. Follow Morgan on Instagram: https://www.instagram.com/_pennyfinance/ (https://www.instagram.com/_pennyfinance/) 🔔 Subscribe for weekly conversations with Australia's sharpest minds in mortgage broking.
7 Jun 2026
Why "Relationship Brokers" Will Survive AI (And the Rest Won't)
Are mortgage brokers only a few years away from being replaced by AI? In this episode, Financial Adviser Arkadiusz Bryl explains why "relationship brokers" who offer holistic, strategic advice are the ones AI can't touch and how partnering with licensed advisers lets you serve clients (and earn) in ways lending alone never will. Simon sits down with Arkadiusz to unpack the real mechanics of building a bigger, more defensible brokerage: nailing your ideal client profile, using educational content to pull in clients organically, reinvesting "lazy capital" to scale, and spotting hidden upside in acquisitions, including the deal where a single client's commercial loan paid for the entire acquisition. If you're serious about growing a brokerage that lasts, this one's essential. Arkadiusz Bryl is a financial adviser on a mission to rewire how people think, feel and talk about money. He's the Founder & Financial Adviser at Real Knowledge / Diverse Solutions and a partner at Strategic Investment Group. Arkadiusz on LinkedIn: https://www.linkedin.com/in/arkadiuszbryl/ (https://www.linkedin.com/in/arkadiuszbryl/) Simon on LinkedIn: https://www.linkedin.com/in/simonlewisbrokercapital/ (https://www.linkedin.com/in/simonlewisbrokercapital/)
26 May 2026
Solo Mortgage Broker + 4 Offshore Staff Writes $220M/yr
How do you build a mortgage brokerage from zero to 700+ clients and $220M in annual loan volume with no onshore staff and a team of 4 in the Philippines? Aidan Hartley, founder of refinance.com.au (http://refinance.com.au), breaks down exactly how he did it. In this episode, Aidan gets real about the journey, from his early days grinding at a bank to building a brokerage many people dream of. We dig into the marketing playbook that works for him (yes, LinkedIn included), how he built and trained an offshore team that runs like clockwork, the tech stack keeping it all together, and where he thinks the industry is heading as the big players keep consolidating. If you're a broker trying to scale, or just curious how a modern mortgage business really operates, this one's packed with takeaways. What we get into: 🏠 Building a brokerage from scratch (and the early challenges nobody warns you about) 💼 Using LinkedIn to land clients, not just likes 🌏 Hiring, training & retaining an offshore support team ⚙️ The tech stack every broker should know about 📈 Why paid consultations attract serious clients 🔮 The future of mortgage broking & industry consolidation A few gems from Aidan: 💬 "Leads are everything in mortgage broking" 💬 "A hook should stir emotion and tease value" 💬 "Paid consultations attract serious clients"
12 May 2026
Joseph Daoud: The Mortgage Broking Secret No One Talks About
How does a mortgage broker settle $37 million a month without spending a dollar on ads? In this episode, Joseph Daoud, founder of It's Simple and one of Australia's leading mortgage brokers, breaks down exactly how he built his business from scratch by ignoring the playbook most brokers follow. Joseph specialises in self-employed clients, a segment most brokers avoid because it's harder. That choice became his edge. Today his team processes over $30M in loans monthly, driven entirely by organic inbound and referrals. In this conversation, we cover: - Why chasing leads is a losing game, and what to build instead - How to use organic social media to generate consistent inbound applications - The role of transparency and genuine rapport in winning self-employed clients - Tech stack and workflow tools that protect client data and save hours - Why 47% of new brokers quit in year one, and what proper training looks like - How to specialise in commercial deals and complex scenarios without burning out If you're a new broker trying to survive your first year, or an experienced one looking to scale without sacrificing quality, Joseph's approach is worth your time. Follow Joseph here: LinkedIn https://www.linkedin.com/in/joseph-daoud/ (https://www.linkedin.com/in/joseph-daoud/) Instagram https://www.instagram.com/itssimplefinance/ (https://www.instagram.com/itssimplefinance/) Follow Simon here: LinkedIn https://www.linkedin.com/in/simonlewisbrokercapital/ (https://www.linkedin.com/in/simonlewisbrokercapital/) Insagram https://www.instagram.com/simonlewis_brokercapital/ (https://www.instagram.com/simonlewis_brokercapital/)
1 May 2026
How Mortgage Brokers Should Be Marketing in 2025 (Content, Ads & More)
If you're a mortgage broker who knows you should be doing more marketing but don't know where to start, this episode is for you. Simon Lewis sits down with Marcus Vella, founder of Mober, a specialist marketing agency for mortgage brokers, to break down exactly what's working right now and how to build a repeatable system that doesn't take over your life. In this episode we cover: ▶ The best marketing tool or approach working for mortgage brokers right now ▶ What equipment and setup you actually need to start creating content ▶ How scripted your videos need to be (the answer might surprise you) ▶ The easiest repeatable process for generating video ideas consistently ▶ Which platforms brokers should be on and where to start ▶ TikTok vs Instagram, which one is right for brokers ▶ The best approach to Meta ads and the exact process Marcus uses Whether you're just starting out with content marketing or looking to sharpen your paid strategy, Marcus delivers practical no-nonsense advice you can implement immediately. 🎧 Also available on Spotify and Apple Podcasts — search Broker Capital 👉 Connect with Marcus Vella and Mober: https://www.mober.co/ (https://www.mober.co/) 👉 Learn more about Broker Capital: www.brokercapital.com.au (http://www.brokercapital.com.au)
24 Apr 2026
Jason Back: How to Scale a Broking Business (Team, Marketing & Tech)
Jason Back is the founder of Broker Essentials and one of the industry's most experienced coaches. In this conversation he unpacks what it actually takes to grow a mortgage broking business, from your first hire to building a team that scales. Jason covers the frameworks he's used with hundreds of brokers, including how to hire slow and fire fast, why most brokers are selling to the wrong audience, and the marketing channels worth your time in 2025. Whether you're a sole operator or leading a growing team, this one's packed with practical moves you can action this week. What's covered: → When and how to make your first hire → Building a staffing plan around loan volume → Marketing that reaches audiences, not just one client at a time → Optimising your CRM and tech stack → Why curiosity is still the most underrated sales skill Chapters 00:00 From Broker to Coach: Jason Back's Journey 02:55 Understanding the Ideal Client: Who Benefits Most? 05:44 Navigating Broker Tech: CRMs and Tools for Success 08:32 The Importance of Choosing the Right Aggregator 11:40 Building a Team: When and How to Hire 14:10 Recruitment Strategies: Finding the Right Fit 17:06 Marketing and Lead Generation: What Works? 20:02 Sales Strategies: Improving Conversion Rates 25:57 Marketing Strategies in Broking 31:02 The Role of Marketing Agencies 32:45 Broker Business Models: PAYG vs Commission 36:49 Reinvestment vs Profit Taking in Growth 39:17 Engagement Fees and Fee for Service 40:54 Common Mistakes for New Brokers 44:03 City vs Regional Broking 46:16 Future of the Broking Industry 48:30 Lessons Learned from Experience Broker Capital is Australia's specialist lender for trailbook loans. If you're buying, selling, or leveraging a trail book, visit brokercapital.com.au (http://brokercapital.com.au)
17 Apr 2026
Understanding the Trailbook Market with Paul Smith
Paul Smith is the founder and Managing Director of Yield Business Brokers, one of the largest marketplaces for buying and selling trail books in Australia. The market for trail books and mortgage brokerages is moving faster than most people realise. Sales are happening quickly, prices are being pushed higher, and the pool of buyers is bigger and more competitive than ever. In this interview, Paul pulls back the curtain on what's really driving the market, what determines value, who's buying and why, how acquisitions are being financed, and the mistakes sellers make that cost them. If you're thinking about buying or selling a trail book, or you just want to understand where the market is heading, this one is worth your time.
10 Apr 2026
Coach Ruan Burger Shares His Formula for Broking Success
The mortgage broking industry is evolving faster than ever, and AI's impact is just the tip of the iceberg. Ruan Burger, founder of Success and Broker, dishes out powerful insights on how brokers can future-proof their business today by focusing on human connection, smart structuring, and behavioral habits. If you're feeling overwhelmed by industry changes or unsure of your next move, this episode delivers fresh strategies to not only survive but thrive in a transforming landscape. This episode matters if you're a broker or business owner who refuses to get left behind. Whether you're solo or leading a large team, you'll walk away with crystal-clear steps to streamline your operations, deepen client relationships, and position your business for long-term success. Don't just navigate industry change, lead it with proven frameworks and behavioral insights that turn challenges into opportunities.
3 Apr 2026
How to Build an Elite Broking Team with Joe Shephard
Build a powerhouse mortgage-broking team without wasting time or money. Joe Shepard, founder of Fin Talent, reveals insider strategies on how to hire smarter, scale faster, and create a sustainable business in a saturated industry. Whether you're an established broker or just starting out, this episode will transform the way you think about recruitment, team growth, and industry longevity. You’ll learn practical frameworks for identifying the perfect first hire when you’re at $3 million monthly volume, and how to avoid common pitfalls like paying too little or hiring the wrong personality. Joe explains why offshore talent might be your secret weapon in scaling efficiently, saving costs, and maintaining a local touch. He breaks down the key roles every broker should consider: from offshore para brokers to onshore ops managers with mortgage broking certifications, plus the real costs involved in attracting top-tier talent. Joe also exposes the nuances between PAYG and commission-only models, revealing how to align incentives, motivate high performers, and retain long-term staff. If you want to avoid the “golden handcuffs” and unlock high-value, flexible talent, you need to hear this. If you’re serious about building your team, increasing your revenue, and dodging pitfalls, this masterclass will give you the tools and mindset shift you need. I'd really appreciate your support! Please like and subscribe.
13 Mar 2026
10 Things Brokers Writing Over $20M/mth Have in Common
What separates the brokers writing $20M+ per month from everyone else? After speaking with hundreds of top performers across the industry, I've noticed 10 traits they almost all share and it's striking how consistent they are. From their motivations and mindset to their habits and how they invest in themselves, these brokers aren't just chasing numbers. They're building something bigger. In this video, I break down all 10 traits and why they matter if you're serious about taking your broking business to the next level. If you watched this and thought "that's me", Broker Capital was built for you. We help high-performing brokers access the capital they need to build faster.
13 Mar 2026
How Katie Thomas Writes $1B/yr in Home Loans
Most mortgage brokers are focusing on the wrong thing... The real key to growing a successful business is genuine relationships that fuel unstoppable growth. Katie Thomas, founder of Australia's top-ranked referrers and clients. Katie Thomas, Founder of Focus Finance, reveals how authentic connections and a relentless focus on relationship-building can scale your business to billion-dollar levels, without paid ads or gimmicks. In just three years, Katie’s team has punched through industry norms, writing over a billion dollars annually, by doubling down on real human connections rather than marketing tricks. She shares how she organically built a nationwide network from scratch, leveraging the power of trust, authenticity, and deep client understanding, showing that success isn’t about tech or paid marketing but about people. You'll discover: - How Katie crafts vast referral networks purely through genuine relationships, not paid leads or ads - The mindset shifts that transform clients into lifelong partners and your strongest ambassadors - Why personal authenticity and relatability are your greatest assets in building an unstoppable brokerage - The role of surface-level tech versus organic growth and how to maximize your existing relationships - The future of broking, how AI, digital tools, and human connection will shape the industry This is a new channel and I need your help. Please like and subscribe!
27 Feb 2026
How to Write $30M/mth with Justin Picker
Justin Picker is the founder of Picker Financial Solutions, a brokerage settling $25-30M per month with more than 20 employees. Justin explains: How he build his business from scratch His tech stack How he's built a team onshore and offshore When to hire staff How to find team members How to pay brokers How he does marketing How much he reinvests in the business vs taking profits Where the mortgage broking industry is going
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