Broker Capital

Simon Lewis

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.

  1. 4d ago

    From AFL Umpire to Mortgage Broker: Ray Chamberlain on Building Chamberlain & Co.

    Ray Chamberlain spent 24 years umpiring at the top level of the AFL. Now he runs Chamberlain & Co., a mortgage broking firm built on long-term client relationships, transparency and a strong team. In this episode of the Broker Capital Podcast, Ray talks about leaving umpiring, how his time as a teacher and as a mortgage customer led him into broking, and why customer experience is the best marketing a broker can have. He also covers how he onboards clients, giving good people room to do their jobs, and what needs to change between banks and brokers. His advice for brokers: keep picking up the phone, look after your clients and write good loans. Chapters 0:00 Intro 0:31 Life after AFL umpiring 3:32 The pressure of umpiring: know your role, honour it, do it 6:15 From teacher to mortgage customer to broker 12:04 Why broking appealed: flexibility for work, family and footy 14:35 Building partnerships, not transactions 17:09 Serving clients as lending conditions change 29:07 The client journey: intro call, onboarding and discovery 36:50 Lead with your strengths and back your team 39:20 Customer experience is your best marketing 51:14 Transparency and a fairer bank–broker relationship 55:30 Ray’s biggest career lesson Connect with Ray on LinkedIn: https://www.linkedin.com/in/raychamberlain18/ Chamberlain & Co.: https://www.chamberlainandco.com/ Broker Capital funds mortgage brokers’ growth. Reach out here: https://brokercapital.com.au/

  2. Nov 4

    How This Brokerage Writes $35M a Month With 3 Brokers

    Corey Goldby’s brokerage writes $35M a month with 3 onshore brokers. In this episode he explains how: an offshore processing team, a $1,100 upfront strategy fee and an in-house media team. Corey is Managing Partner and Senior Credit Advisor at Source Financial. He started out at one of the big four banks as a commercial lending strategist and now specialises in commercial, development and complex lending for property investors. Source Financial is about to merge into 4acre Financial, and Corey is stepping off the tools to lead the broker division. In this episode of the Broker Capital Podcast, we cover: ✅ Why the broker count could fall from 24,000 to 15,000 as the industry consolidates ✅ The Source Financial merger and why Corey is stepping away from writing loans ✅ Building an accounting arm from zero to 2,500+ tax returns in three years ✅ How the $1,100 strategy fee covers staff costs and filters out tyre-kickers ✅ Hiring a full-time videographer for $80K instead of paying an agency $5-6K a month ✅ Why weekly custom videos beat automated email tools for keeping clients ✅ Running a lean offshore team for processing, tracking and settlements ✅ Moving from contract brokers to PAYG employees ✅ Where servicing stands now: living costs running $1,500-2,000 a month above HEM, and pre-approved clients pulling out ✅ The hardest lesson in scaling: learning to say no 🎧 Fat Profits Podcast: https://www.youtube.com/@financewithcozza 🔗 Connect with Corey: https://www.linkedin.com/in/coreyjgoldby/ Broker Capital provides Trailbook Loans to Australian mortgage brokers, secured against their commission income. Want to fund growth, buy a trail book or restructure your business?  Reach out here: https://brokercapital.com.au/

  3. Oct 12

    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/ Loan Options AI: https://loanoptions.ai/ Broker Capital funds Australian mortgage brokers against their trail book. Learn more: https://brokercapital.com.au/ Simon Lewis on LinkedIn: linkedin.com/in/simonlewisbrokercapital

  4. Sep 21

    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/ Reach out to Simon from Broker Capital here: https://brokercapital.com.au/ Subscribe to the Broker Capital channel so you don't miss an episode!

  5. Sep 15

    $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/ Broker Capital: 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

  6. Sep 1

    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/ Apply for a trailbook loan at Broker Capital https://brokercapital.com.au/ Enjoyed the episode? Hit like and subscribe for more conversations with the operators shaping the future of broking.

  7. Aug 17

    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.

  8. Aug 4

    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/ Simon Lewis, Broker Capital: https://brokercapital.com.au/

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About

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.

Information

  • Creator
    Simon Lewis
  • Years Active
    2026
  • Episodes
    21
  • Rating
    Explicit
  • Copyright
    © 2026 Simon Lewis
  • Show Website
    Broker Capital

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