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The Broker Daily Podcast Network provides insights and analysis of the biggest themes shaping Australian mortgage distribution.
In Broker Daily Uncut join Phil Tarrant and Alex Whitlock each Monday afternoon as they delve into the headlines and developments affecting mortgage distribution and mortgage broking.
In Broker Daily Uncut join Phil Tarrant and Alex Whitlock each Monday afternoon as they delve into the headlines and developments affecting mortgage distribution and mortgage broking.
620 Episodes
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In this week's episode of Business Accelerator, hosts Alex Whitlock and Jason Back unpack what innovation really means for modern mortgage brokers and why it goes far beyond apps, AI or the latest tech. The conversation explores how broking businesses have evolved over the past decade, from paper-based fact finds and face-to-face meetings to digital onboarding, workflow automation, and omnichannel client experiences. Back outlines the five key innovation zones – customer experience, process and productivity, marketing, people, and technology – and explains why the most successful brokers are redesigning their businesses, not just speeding them up. The duo then examine the operational realities of scaling, the pitfalls of poorly implemented offshoring, and why automation should support strategy rather than replace it. They also challenge brokers to identify their biggest client pain points, question long-held habits, and adopt a mindset of continuous small improvements rather than chasing grand overhauls. Tune in to hear why innovation is less about working harder and more about asking better questions, and how even one small weekly refinement could reshape the trajectory of your brokerage.
In the latest episode of Finance Specialist, hosts Liam Garman and Trent Carter take a closer look at what the latest rate rise – and the likelihood of more to come – means for brokers and their SME clients. With inflation still sticky across housing and energy, the discussion moves beyond the headline 25 basis point increase to the broader pressures building in the system. Carter explains how higher rates are compounding existing cost pressures for small businesses, from wages and rents to insurance and input costs, and why many owners are shifting from growth mode to capital preservation. The episode also explores the changing nature of SME borrowing. Rather than funding expansion, more businesses are using finance defensively: refinancing, smoothing cash flow, or taking short-term facilities to manage stock and tax obligations. Garman and Carter then discuss the growing role of non-bank and fintech lenders within that mix, arguing that brokers who focus on solutions, build industry expertise and position themselves as a steady hand during volatility will be better placed to support clients through the current cycle.
In this episode of Broker Daily Uncut, host Alex Whitlock is joined by Eva Loisance and Costa Arvanitopoulos to examine the strong start to the year in Australia's property market, with auction clearance rates defying the impact of the latest interest rate hike. While demand remains resilient amid tight housing supply, the conversation turns to whether the Reserve Bank's move signals the beginning of a new upward rate cycle and how shrinking borrowing capacity is reshaping investor strategy. The trio also unpack growing speculation around changes to capital gains tax and the broader reliance of governments on property as a revenue base. They also explore tightening lender scrutiny on trust structures and cash-out lending, highlighting the increasing complexity facing investors and the rising importance of strategic, well-structured broker advice in a more restrictive credit environment.
In this week's episode of Business Accelerator, Alex Whitlock and Jason Back explore why mortgage brokers risk being perceived as transactional in an increasingly emotional and complex property journey and where the real opportunity lies to stand apart. Drawing on Whitlock's recent experiences as a property investor, the conversation unpacks how buyers are surrounded by short-term, transactional relationships across real estate, property management, and finance and why brokers are uniquely positioned to become long-term partners rather than just loan facilitators. The duo examine the critical difference between customer service and customer experience; the dangers of compliance paralysis; and how subtle shifts in conversations, positioning, and process can dramatically deepen client loyalty, reduce churn, and drive referrals. Tune in to hear why reframing your role as a guide, not just a broker, could be one of the most powerful strategic moves you make in 2026 and beyond.
In the latest episode of Finance Specialist, hosts Liam Garman and Trent Carter unpack what a shift back into an interest rate rising cycle could mean for brokers working across residential and SME lending. Recorded ahead of an anticipated Reserve Bank move, the conversation explores how rate increases tend to filter through the economy over time, rather than immediately, and why the real impact for brokers is often felt months later. Carter explains how changes to borrowing capacity may affect residential demand at the margins, while SME clients face pressure on both household and business cash flow, forcing tougher decisions around spending, restructuring, and finance strategy. The episode also looks at how brokers can adapt in a potentially tighter environment, shifting focus from new transactions to proactive client engagement, refinancing, and cash flow conversations. Garman and Carter discuss the importance of working closely with existing clients, stress-testing budgets, and helping business owners plan for higher funding costs and upcoming changes, such as payday super.
In this latest episode of Broker Daily Uncut, host Alex Whitlock is joined by Finni brokers Eva Loisance and Costa Arvanitopoulos to unpack what's really happening on the ground as chatter of a rate rise grows. The conversation covers expectations around the first RBA decision for 2026, sharp increases in fixed rates across the major banks, and why strong buyer and investor demand is persisting despite higher borrowing costs. The trio also explore ongoing housing supply shortages, rising prices across multiple capital cities, and what this means for first home buyers, investors, and renters. The episode dives into key lending developments, including AMP's return to SMSF lending, growing reliance on non-bank lenders, and new APRA debt-to-income guidance – what it means in practice and why it may not be the immediate constraint many borrowers fear.
In this episode of Business Accelerator, Jason Back and Alex Whitlock take a critical look at how brokers are using social media, and where many are getting it wrong. As production quality rises and platforms reward visibility, the conversation explores why likes, views, and followers can create a dangerous illusion of progress without delivering real commercial outcomes. The conversation challenges common assumptions around social media "success", drawing a clear distinction between awareness and trust, popularity and relevance. Back outlines a practical framework to help brokers think more strategically about their presence, focusing on clear positioning, demonstrated expertise, and the disciplined use of content to support long-term decision making by clients. This episode offers a considered perspective for brokers assessing the true return on social media, questioning whether visibility is supporting or distracting from business objectives, and seeking to build credibility without relying on controversy, polish, or performative success.
In this episode of Broker Daily Uncut, host Alex Whitlock is joined by co-founder and director of Momentum Media, Phil Tarrant, to unpack why securing a mortgage is becoming increasingly difficult and what that shift means for broker business models and borrower expectations. As lending tightens and serviceability becomes more complex, the discussion reinforces why broker expertise is growing in value, not declining. Against that backdrop, the hosts scrutinise cashback and commission-refund mortgage models, questioning whether paying customers undermine broker credibility, attract the wrong client behaviour, and create fragile economics in a tougher credit environment. The episode also explores what sustainable growth looks like for brokers as competition intensifies, including the importance of protecting the value of advice, investing in long-term client relationships, and avoiding business models that rely on volume at the expense of durability.
In this episode of the Finance Specialist podcast, hosts Liam Garman and Trent Carter unpack the key developments shaping the broking landscape as 2026 gets underway – from the launch of a new residential aggregator to tightening conditions in trust lending and the continued rise of non-bank finance. Drawing on Carter's experience working closely with SME brokers and lenders, the duo explore whether new aggregator entrants can genuinely differentiate in a crowded, low-margin market and what brokers should consider before switching platforms. The episode also examines growing lender caution around trust structures, the regulatory and risk considerations at play, and how brokers can protect themselves when navigating these deals. This week's Finance Specialist also takes a practical look at non-bank and private credit, including the importance of exit strategies, disciplined client conversations, and due diligence, before turning to interest rates and what realistic expectations brokers should be setting with clients.
In this week's episode of Business Accelerator, Alex Whitlock and Jason Back examine how the mortgage broking landscape is shifting in 2026 and why many brokers risk falling behind by relying too heavily on what has worked in the past. The duo unpack how comfort and familiarity – from established processes and lender panels to predictable referral flows – can quietly introduce fragility into a broker's business as client expectations, lender behaviour, and technology continue to evolve. Brokers face a challenge in balancing proven strengths with the need to adapt, with Back outlining practical ways to audit current business models, identify points of dependency, and reassess long-term relevance. Tune in to hear why brokers who embrace curiosity, challenge assumptions, and introduce strategic discomfort into their businesses will be best positioned to remain relevant, resilient, and competitive in the years ahead.
In the first Finance Specialist episode of 2026, hosts Liam Garman and Trent Carter turn their attention to the habits and mindset that underpin long-term success in SME and commercial finance broking. As brokers reset for the year ahead, the focus is moving beyond transactions to how sustainable growth can be built in an increasingly complex lending environment. Drawing on Carter's experience working with SME brokers and business owners, the episode explores why successful brokers prioritise a deep understanding of their clients' businesses, rather than relying solely on credit policy or product selection. The conversation also highlights the importance of inquisitiveness, clear expectation setting, and disciplined delivery. With SME clients facing varied challenges across industries and stages of growth, the episode reinforces the value of playing the long game. Brokers who invest in relationships, choose a clear niche, and position themselves as trusted advisers, rather than transactional intermediaries, are better placed to generate repeat business, referrals, and sustainable growth.
In this latest episode of Broker Daily Uncut, host Alex Whitlock is joined by brokers Costa Arvanitopoulos and Rebecca Carlson to discuss how buyer and investor activity is tracking as the property market regains momentum early in the year. The trio explore where inquiry is emerging across key markets, including Melbourne and Perth; the risks of investors chasing perceived hotspots; and how brokers are guiding clients through purchase decisions during shifting market conditions. The episode also examines recent lender policy changes around trust lending, the outlook for fixed and variable rates, and how lenders mortgage insurance (LMI) is being used as an enabler for some borrowers navigating deposit constraints.
In this week's episode of Business Accelerator, Alex Whitlock and Jason Back unpack what this year means for brokers in an increasingly competitive market. With brokers returning from the break motivated and the property market showing early momentum, the discussion focuses on why standing out now has less to do with rates and products, and more to do with trust, visibility, and how you show up for clients. Whitlock and Back talk through why people choose one broker over another, the growing importance of personal brand and social proof, and how brokers can move beyond being seen as transactional. They also dig into customer experience, expectation setting, and what it really means to be a trusted adviser, especially when deals get complex and pressure starts to build. If you're thinking about how to position your business this year, build stronger client relationships, and make your brand easier to like, trust, and choose, this week's Business Accelerator is a good place to start.
In this latest episode of Broker Daily Uncut, host Alex Whitlock is joined by Finni brokers Eva Loisance and Costa Arvanitopoulos to take stock of how the lending market is shaping up at the start of the year. The trio discuss buyer and investor activity during what is typically a quieter period, why having finance organised early can create opportunities, and what brokers are seeing from returning clients and referrals as the market re-engages. The episode also looks at recent lender policy changes around trust lending, alongside the latest inflation figures and interest rate expectations, and considers how these developments are influencing borrower behaviour.
In this week's episode of Business Accelerator, Alex Whitlock and Jason Back kick off 2026 by exploring what the year ahead holds for mortgage brokers, with a sharp focus on growth, technology, and winning market share in a finite market. Drawing parallels between mortgage broking and property management, the hosts unpack why forward-thinking operators with strong systems, clear value propositions, and a long-term mindset are best placed to take share from slower-moving incumbents. The conversation then turns to technology, with Whitlock and Back debating how brokers should approach tech in 2026 – moving beyond "window shopping" to genuinely integrating tools that save time, reduce friction, and improve the client experience. Tune in to hear why 2026 could be a defining year for brokers who embrace systems, rethink their service proposition, and use technology as an enabler – not a distraction – to stand out in an increasingly competitive market.
In the first Broker Daily Uncut episode of the year, host Alex Whitlock is joined by Finni brokers Eva Loisance and Costa Arvanitopoulos to discuss lending conditions and broker activity. The trio talk through recent fixed-rate increases from the major banks; what those changes may be signalling; and how brokers are handling affordability, buffers, and conversations with clients about fixed and variable loans. They also discuss current investor activity, including refinancing, high-LVR lending, SMSF property purchases, equity releases, and increased interest in construction lending, as well as ongoing housing supply shortages and continued price growth in markets across Australia.
The year 2025 has been one of significant changes for brokers, with demand-side housing initiatives dominating the landscape. Liam Garman and Trent Carter unpack policies such as 5 per cent Deposit Scheme, Help to Buy, and changes to HECS-HELP serviceability, exploring whether these measures are genuinely improving affordability or simply adding pressure to already competitive property markets. The hosts also delve into trust lending and the introduction of debt-to-income (DTI) caps, explaining why borrowing through trusts doesn't automatically increase capacity and why DTI limits are about responsible lending rather than dramatic market disruption. Tune in to discover how lender behaviour and the growing role of AI in broking are reshaping the industry and why brokers who combine relationship-driven advice with efficiency tools are set to remain a central part of Australia's lending ecosystem well into 2026.
In this week's episode of Business Accelerator, Alex Whitlock and Jason Back continue their deep dive into 'knowing your customer', exploring how brokers can sharpen their positioning to win trust and convert more client inquiries. The hosts unpack the challenges brokers face at the first point of contact, where snap judgements, confidence, and credibility can make or break a relationship. Whitlock and Back also debate the pros and cons of being a generalist versus a specialist, sharing practical insights on niching, defining your ideal client, and building a signature process that sets you apart. Drawing on Broker Pulse data and real-world examples, they highlight why clarity in messaging, honest positioning, and customer-centric systems are critical to standing out. Tune in to hear how brokers can refine their value proposition, improve conversion rates, and position themselves for long-term success by truly understanding who they serve, how they serve them, and why that matters more than ever.
In this episode of Broker Daily Spotlight, host Liam Garman sits down with Mitchell Chadevski, general manager of Renown Lending, to break down how private lenders are filling the widening gap as major banks tighten lending policies. Chadevski explains why non-banks aren't constrained by strict debt-to-income caps or rigid serviceability rules, instead structuring deals around assets, timelines, and purpose. The discussion also digs into what borrowers should look for in a non-bank lender, with Chadevski stressing the importance of transparency, track record, and clear communication to avoid operators who over-promise or charge upfront fees with no intention to fund. For SMEs, developers, and investors, Chadevski highlights why being "finance ready", with clean documentation, proactive planning, and early conversations, is key to unlocking opportunities.
The end-of-year period can be a high-stress time for brokers, with mounting client expectations, looming deadlines, and an artificial sense of urgency. So how can you manage pressure, avoid burnout, and set your business up for success in 2026? In this episode of Finance Specialist, Liam Garman and Accendo Financial's Trent Carter unpack why the December rush feels so intense, and share practical strategies for managing client expectations, prioritising tasks, and steering clear of over-promising. They also dive into ways brokers can boost efficiency heading into 2026, including leveraging technology and AI-driven platforms, outsourcing low-value administrative tasks, and structuring the day to focus on high-impact work that drives business growth. Carter highlights the warning signs of burnout, offers guidance on breaking down large projects into manageable steps, and explains how proactive planning, communication, and professional support can help brokers maintain balance during peak periods.
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