Podcasts about mortgage brokers

Host Justin White sits down with:•   Lauren Hale – Brokerowner, LH LendingHow Preparation and Relationship Building Are Fueling a Mortgage Broker's GrowthLauren Hale built LH Lending by combining product knowledge, proactive communication and a relationship-first approach to every transaction. In Episode #133 of Good. Better. Broker., host Justin White sits down with her to discuss how preparation helps mortgage brokers create smoother closings, earn the trust of real estate agents and generate more repeat business.Listeners will learn how to strengthen pre-approvals, use strong systems and processes, and build relationships that keep clients and referral partners coming back.Key Takeaways for Mortgage Brokers•   Why mortgage brokers never have to say no to a client•   The importance of knowing your guidelines and having a rock-solid pre-approval•   How strong relationships can guide repeat business in any marketIn this episode about preparation driving repeat business, we discuss ...•   1:50 – Lauren's experience as an economics teacher•   3:18 – Why Lauren became a mortgage loan originator•   4:57 – Not being a “one-size-fits-all” LO•   6:22 – Having multiple loan options as a mortgage broker•   7:08 – Turning a “no” into a “yes”•   8:30 – Why Lauren never says no to a client•   10:03 – The role systems and processes play in Lauren's business•   11:26 – Being proactive in communicating with real estate agents•   12:24 – Why Lauren prioritizes relationships•   13:23 – The question Lauren asks listing agents that takes them by surprise•   14:40 – Hiring people to support growth•   17:08 – Lauren's “sacred time” and the impact it makes•   19:44 – Reflecting on progressShow Contributor:Lauren HaleConnect on LinkedIn Connect on Facebook Connect on InstagramAbout the Host:Justin White is UWM's in-house brand journalist and the host of UWM Daily. He creates engaging content across multiple platforms to promote the benefits of the wholesale channel and partnering with UWM. A seven-time Emmy-award winner, Justin is a graduate of the S.I. Newhouse School of Public Communications at Syracuse University.Connect with Justin on LinkedIn, Instagram or Twitter.Connect with UWM on Social Media:•   Facebook•   LinkedIn•   Instagram•   Twitter•   YouTubeHead to uwm.com to see the latest news and updates.

Australia knows it needs to build more homes. But if construction is already operating close to capacity, where will the extra housing actually come from?HIA senior economist Tom Devitt joins Veronica and Chris to unpack the constraints holding the industry back and why simply calling for more supply misses the complexity of getting homes built. The conversation covers skilled labour shortages, planning and approvals, land and infrastructure costs, construction productivity, prefab housing and the shift towards medium-density development. Tom also explains why Sydney and Melbourne have struggled to recover, while WA, Queensland and South Australia have performed more strongly.They also examine the fallout from changes to negative gearing and SMSF borrowing, including the risk that relatively small numbers of affected apartment sales could have a much larger impact on project financing. And with rental vacancy rates around 1%, Tom challenges the idea that investors are the problem, arguing that Australia needs more rental accommodation, not less.From stamp duty and development feasibility to the difference between the real estate market and the underlying housing market, this conversation gets into the structural issues that will determine whether Australia can actually close its housing supply gap.Episode Highlights01:39 – Meet HIA Economist Tom Devitt02:14 – Why Australia Still Can't Build Enough Homes04:13 – The Skilled Trades Shortage Holding Housing Back07:01 – Why Construction Workers Are Being Pulled Elsewhere10:35 – Prefab Won't Solve the Housing Shortage Alone13:08 – How the SMSF Ban Could Sink Entire Projects17:03 – The Housing Finance Fallout From the SMSF Ban19:36 – Are Buyers Losing Confidence in New Housing?22:44 – Why Sydney and Melbourne Are Falling Behind25:32 – Are We Really Measuring Construction Productivity?30:46 – Why Builders Are Going Under Despite Strong Demand34:17 – Why Some New Housing Simply Doesn't Stack Up36:59 – Why Medium-Density Housing Could Be the Sweet Spot39:58 – The Housing Fundamentals That Eventually Win41:44 – The Rental Crisis Needs More Investors, Not FewerAbout the GuestTom Devitt is a senior economist at the Housing Industry Association (HIA), where he works on the economic conditions shaping Australia's residential construction industry. His work includes analysing housing construction forecasts, industry capacity, labour shortages, planning constraints and the impact of government policy on new housing.Tom brings an industry-focused economic perspective to the housing supply debate, looking beyond headline targets to examine what actually determines whether a home gets built. In this episode, he discusses construction capacity, skilled trades shortages, development feasibility, planning reform, rental supply and the effects of recent policy changes affecting property investment and housing finance.Connect with TomLinkedIn | Tom DevittLinkedIn | HIAResourcesVisit our website: https://www.theelephantintheroom.com.auIf you have any questions or would like to be featured on our show, contact us at:The Elephant in the Room Property Podcast - questions@theelephantintheroom.com.auLooking for a Sydney Buyers Agent? https://www.gooddeeds.com.auWork with Veronica: https://www.veronicamorgan.com.auLooking for a Mortgage Broker? alcove.com.auWork with Chris: chrisbates@alcove.com.auEnjoyed the podcast? Don't miss out on what's yet to come! Hit that subscription button, spread the word, and join us for more insightful discussions in real estate. Your journey starts now!Subscribe on YouTube: https://www.youtube.com/@theelephantintheroom-podcastSubscribe on Apple Podcasts: https://podcasts.apple.com/ph/podcast/the-elephant-in-the-room-property-podcast/id1384822719Subscribe on Spotify: https://open.spotify.com/show/3r0nnJrLUu3t1GpO7X3j6EIf you enjoyed today's podcast, don't forget to subscribe, rate, and share the show! There's more to come, so we hope to have you along with us on this journey!See you on the inside,Veronica & Chris

Contact Marko Gelo, he's a Mortgage Broker!604-800-9593 cell/text Vancouver403-606-3751 cell/text CalgaryCall Marko via WhatsApphomefinancingsolutions.caMost people assume fixed mortgage rates move randomly, or that only lenders know when a change is coming — neither is actually true. There's a specific pattern that shows up in the market days before a fixed rate hike or drop, and it's not something anyone ever bothers to explain. It's genuinely something brokers watch every single day, and once you know what it is, rate timing stops feeling like a guessing game. Here's exactly what to watch, and how to use that window to your advantage.CLICK HERE to be redirected to the blog version of this episode.CLICK HERE to be redirected to Mortgagenomics Canada Podcast YouTube ChannelCLICK HERE to download Marko's award-winning Mobile Mortgage App! Hosted on Acast. See acast.com/privacy for more information.

Ron Butler, Mortgage Broker at Butler Mortgage.ca Learn more about your ad choices. Visit megaphone.fm/adchoices

Contact Marko Gelo, he's a Mortgage Broker!604-800-9593 cell/text Vancouver403-606-3751 cell/text CalgaryCall Marko via WhatsApphomefinancingsolutions.caIf you're not a Canadian citizen or PR and you're eyeing a home in Vancouver, Victoria, or Kelowna, there are two rules to be aware of. A lot of buyers clear the first hurdle and assume they're done, only to find out the second one applies completely independently. I break down exactly who's exempt from what, in BC and in Alberta, in this week's episode.CLICK HERE to be redirected to the blog version of this episode.CLICK HERE to be redirected to Mortgagenomics Canada Podcast YouTube ChannelCLICK HERE to download Marko's award-winning Mobile Mortgage App! Hosted on Acast. See acast.com/privacy for more information.

Send us Fan MailImagine a Mortgage Company that does more origination in a year than RBC: that's Dominion Lending Centers Group & the Cofounder of that company started it 21 years ago with ZERO Banking experience & no previous Mortgage BackgroundLet's talk to a man who cold called to find his first Mortgage Broker & went on to build a Mortgage Network MonolithYou will enjoy this Pod with Gary Mauris Support the show

Most communication problems are not really about what you are saying. They are about how the other person needs to hear it. In this episode, I sit down with Michael Gibben to talk about DISC and how understanding different communication styles can help you work better with clients, team members, and the people around you. We also get into my own DISC profile and why the goal is not to change who you are. It is to understand your natural style and learn how to adapt when the situation calls for it. In this episode, we cover: What DISC Can Tell You - How the framework can help you better understand your natural communication style. Why Different People Need Different Communication - What works well with one client or team member may not work with another. Understanding Your Natural Style - Why knowing how you naturally communicate gives you a better starting point. How to Adapt Without Being Fake - The goal is not to become a different person, but to adjust how you communicate. Using DISC With Clients and Teams - How better awareness can help create clearer conversations and stronger relationships. Better communication starts with understanding yourself. Once you know your natural style, you can adapt to the person in front of you instead of expecting everyone to communicate the way you do. To connect with Michael, check out the links below: LinkedIn https://www.michaelgibben.com/ — We're bringing BrokerTalks back to Vancouver, Toronto, and Calgary this October! Toronto - Oct 14 Calgary - Oct 16 Vancouver - Oct 20 If you want to learn from brokers who are actually doing the work, check out https://brokertalks.com/. ILMB PROMO Use code ‘SCOTT' for $50 OFF — Follow me on Instagram: www.instagram.com/scottpeckford/ I Love Mortgage Brokering: www.ilovemortgagebrokering.com Find out more about BRX Mortgage: www.whybrx.com Subscribe to my email list, Peckford's Playbook Join the Mortgage Mindset Daily Gamify your prospecting with the 10@10 App I Love Mortgage Brokering is in partnership with KDK Financial. To learn more about their automotive loan solutions for you and your clients, visit https://kdkfinancial.com.

The latest PIPA Annual Investor Survey reveals a significant shift in investor sentiment, with more investors considering selling amid changing tax settings, rising holding costs, interest rates and concerns about property values.Chris Bates and buyer's agent Cate Bakos unpack what the survey reveals about investor behaviour and why grandfathering existing tax arrangements may not be enough to keep investors in the market. They explore what happens when established rental properties are sold to owner-occupiers, and why replacing that stock with new investment properties isn't as straightforward as policymakers might assume.The conversation also examines rentvesting, the growing appeal of higher-yielding property, the risks of investors pivoting into commercial property without sufficient expertise, and whether build-to-rent can realistically address the gaps in Australia's rental supply.With investor behaviour changing and rental demand remaining strong, Chris and Cate question whether housing policy is accounting for the full consequences of pushing private investors out of the market.Episode Highlights01:28 – PIPA Survey: The Investor Shift Nobody Can Ignore04:20 – Why Investors Are Selling Despite Being Grandfathered08:38 – Why Investors Aren't Switching to New Builds13:00 – Why Long-Term Investors Are Reconsidering Property18:53 – Where Investors Are Selling and Why20:52 – Who Pays When Investors Leave the Market?22:32 – Why Qualified Property Advice Matters More Than Ever27:09 – Are Property Falls as Bad as the Headlines Suggest?30:58 – The Borrowing Capacity Squeeze on Investors35:12 – Why Build-to-Rent Won't Solve the Rental Shortage38:07 – Chasing Yield: The Risk of Pivoting to Commercial42:19 – PIPA's Push for Better Investor Advice and Standards44:41 – Outro: Submit Your QuestionsAbout the GuestCate Bakos is a former President of the Real Estate Buyers Agents Association of Australia (REBAA) and is closely involved with the Property Investment Professionals of Australia (PIPA), where she advocates for investor education, consumer awareness and qualified property investment advice.She is also the Owner and Buyer's Agent at Cate Bakos Property, bringing extensive experience working directly with property buyers and investors across the Australian market. Her frontline perspective gives her a practical understanding of how investors respond to changing market conditions, tax settings and property values.In this episode, Cate draws on that experience to unpack the latest PIPA Investor Survey, including why investors are selling, what happens to established rental stock when they exit, and why some investors are looking towards higher-yielding residential and commercial property. She also discusses the importance of qualified advice as investors navigate an increasingly complex property environment.Connect with CateWebsite | Cate Bakos PropertyPhone - 03 7000 6026Mobile - 0422 638 362Email - cate@catebakos.com.auSocials:LinkedIn | Catherine BakosInstagram | Cate BakosFacebook | Cate BakosResourcesVisit our website: https://www.theelephantintheroom.com.auIf you have any questions or would like to be featured on our show, contact us at:The Elephant in the Room Property Podcast - questions@theelephantintheroom.com.auLooking for a Sydney Buyers Agent? https://www.gooddeeds.com.auWork with Veronica: https://www.veronicamorgan.com.auLooking for a Mortgage Broker? alcove.com.auWork with Chris: chrisbates@alcove.com.auEnjoyed the podcast? Don't miss out on what's yet to come! Hit that subscription button, spread the word, and join us for more insightful discussions in real estate. Your journey starts now!Subscribe on YouTube: https://www.youtube.com/@theelephantintheroom-podcastSubscribe on Apple Podcasts: https://podcasts.apple.com/ph/podcast/the-elephant-in-the-room-property-podcast/id1384822719Subscribe on Spotify: https://open.spotify.com/show/3r0nnJrLUu3t1GpO7X3j6EIf you enjoyed today's podcast, don't forget to subscribe, rate, and share the show! There's more to come, so we hope to have you along with us on this journey!See you on the inside,Veronica & Chris

Contact Marko Gelo, he's a Mortgage Broker!604-800-9593 cell/text Vancouver403-606-3751 cell/text CalgaryCall Marko via WhatsApphomefinancingsolutions.caThe last few days handed us a genuinely unusual run of headlines — Canada's global investment pitch, a brand new tax break, a surprise offer from the EU, and the Fed's first rate hike in three years, all within days of each other. Any one of these could turn into something much bigger over the next few months, and every one of them eventually ties back to what the Bank of Canada does on October 28th — the economics behind your mortgage, which is exactly what Mortgagenomics is about. Here's a quick recap of what actually happened, and what it could mean for your rate.CLICK HERE to be redirected to the blog version of this episode.CLICK HERE to be redirected to Mortgagenomics Canada Podcast YouTube ChannelCLICK HERE to download Marko's award-winning Mobile Mortgage App! Hosted on Acast. See acast.com/privacy for more information.

In this week's episode, Andy and Damien explore the world of sports and trading cards. They discuss the current boom, how it works, the money involved and the tax implications if you trade them. Andy also gives viewers a peek at his own collection. Finally, Damien explains how the market has raised the number of rate hikes it believes the Bank of England will make and the impact this is having on mortgage rates.[AD] Thank you to our sponsor, Interactive InvestorNew customers can receive £150 in free trades when they open an Interactive Investor Trading Account before 30th September 2026. Terms & fees apply. Capital at risk. ⁠⁠⁠⁠⁠⁠⁠⁠⁠https://moneytothemasses.com/redir/ii-podcast⁠⁠⁠⁠⁠⁠⁠⁠⁠ Check out this week's ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠podcast article⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ on the Money to the Masses website to see the full list of resources from this week's show.Follow Money to the Masses on social media:YouTube - ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.youtube.com/moneytothemasses⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Facebook - ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.facebook.com/moneytothemasses⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Instagram - ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.instagram.com/moneytothemasses⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Tik Tok - ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.tiktok.com/@moneytothemasses⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠You may already compare products and services online and make purchases but by doing so via our dedicated page you might not only save money but could also earn cashback or take advantage of exclusive offers for MTTM listeners.Support the show by visiting and bookmarking our dedicated podcast page:⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Money to the Masses Dedicated Podcast Page⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ - Click to support the showLinks referred to in the podcast:⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Sign up to our weekly newsletterCapital Gains Tax rules on ChattelsTrading Allowance explainedHow to find a Mortgage Broker you can trustBest Mortgage Rates in the UK

Host Justin White sits down with:•   Betsy Tinervin, Founder – Realtor® Rise AcademyWinning More Agent Relationships Through Active Listening, Strategic Value and Long-Term PartnershipWith more than 10 years of experience as a real estate agent, Betsy Tinervin has seen firsthand how mortgage loan originators try to earn real estate agent business. When she launched her own coaching business, Betsy focused on helping LOs understand what builds trust with real estate agents — and what causes them to tune out. In Episode #132 of Good. Better. Broker., host Justin White sits down with Betsy to discuss how loan officers can become strategic growth partners who help agents win more business.Listeners will learn how to shift from pitching their services to advising real estate agents with practical insights, active listening and long-term value — creating stronger referral relationships and more consistent agent-driven business.Key Takeaways for Mortgage Brokers•   How to use active listening to uncover what real estate agents need before making a pitch•   How to deliver value that helps agents grow their business and see you as a true partner•   Why becoming a strategic growth partner can lead to stronger Realtor® relationships and more purchase opportunitiesIn this episode about agent-LO relationships, we discuss ...•   1:46 – how Betsy started coaching agents and loan originators•   2:20 – why Betsy got into coaching•   3:30 – how Betsy decided LOs would be her target audience•   4:07 – the meaning of Attract, Impact, Elevate•   5:24 – how Betsy advises LOs to attract real estate agents•   6:14 – quality vs. quantity with real estate agents•   7:07 – the right real estate agent to work with•   8:58 – delivering value for agents•   10:44 – where LOs go wrong on cold calls with agents•   13:45 – how long it takes an LO to change an agent's business•   15:00 – what agents should look for in a lender partner•   17:16 – bringing LOs and agents togetherShow Contributor:Betsy TinervinConnect on LinkedInConnect on FacebookConnect on InstagramView website: The Strategic LOContact by email: info@RealtorRiseAcademy.comContact by phone: 813-609-0229About the Host:Justin White is UWM's in-house brand journalist and the host of UWM Daily. He creates engaging content across multiple platforms to promote the benefits of the wholesale channel and partnering with UWM. A seven-time Emmy-award winner, Justin is a graduate of the S.I. Newhouse School of Public Communications at Syracuse University.Connect with Justin on LinkedIn, Instagram or TwitterConnect with UWM on Social Media:•   Facebook•   LinkedIn•   Instagram•   Twitter•   YouTubeHead to uwm.com to see the latest news and updates.

Australia's housing reforms aim to improve affordability and help more Australians buy homes. But could they unintentionally make it harder to build new housing?In this episode, Richard Temlett, National Executive Director of Research at Charter Keck Cramer, explains the risks facing Australia's property market. We discuss investor and SMSF changes, development feasibility, construction costs, planning delays and why approved projects don't always become completed homes.Richard also explores the potential impact on Melbourne and Brisbane apartments, the rise of build-to-rent and social housing, and why reducing investor demand doesn't automatically create more affordable housing.With Australia's housing crisis driven by population growth, planning restrictions, taxation and limited social housing, Richard argues that there is no single solution. Addressing the crisis will require long-term coordination between governments, developers, financiers and the broader industry.Episode Highlights01:41 – Meet Richard Temlett: Inside Australia's Housing Crisis05:17 – Why SMSF Changes Could Hit New Housing Supply08:18 – Why Housing Uncertainty Is Freezing Buyers11:13 – Why Build-to-Rent Could Be a Housing Winner18:11 –The Hidden Risks Developers Are Carrying25:30 – Can Australia Actually Fix Its Housing Crisis?27:03 – Why More Housing Supply Is So Hard to Deliver31:50 – How Politics Is Reshaping Australia's Housing Supply37:12 – Why Investor Changes Could Reshape the Rental Market39:31 – Why Australia's Construction Industry Is So Unproductive44:43 – Why Property Needs More Policy Certainty48:02 – Why Politics and Property Run on Different Timelines51:26 – The Case for a National Housing Reset54:16 – The Housing Crisis: What Needs to Change Next?About the GuestRichard Temlett is the National Executive Director of Research at Charter Keck Cramer, where he specialises in data-driven, evidence-based research to guide property development and investment decisions across Australia.With extensive experience analysing residential property markets, Richard works closely with developers, financiers and government to understand the economic, planning and market forces shaping Australia's housing supply. His work focuses on turning complex market data into practical insights about development feasibility, housing demand and the factors influencing where and what gets built.Richard is also the host of Precisely Property and a regular industry speaker, sharing his research and perspective on the challenges facing Australia's property market. A former lawyer, he holds a Bachelor of Laws from Flinders University and a Master of Business from RMIT.In this episode, Richard brings that research-driven perspective to one of Australia's biggest challenges: how to increase housing supply without creating policies that unintentionally make new development harder to deliver.Connect with RichardLinkedIn | Richard TemlettLinkedIn | Charter Keck CramerWebsite | Charter Keck CramerResourcesVisit our website: https://www.theelephantintheroom.com.auIf you have any questions or would like to be featured on our show, contact us at:The Elephant in the Room Property Podcast - questions@theelephantintheroom.com.auLooking for a Sydney Buyers Agent? https://www.gooddeeds.com.auWork with Veronica: https://www.veronicamorgan.com.auLooking for a Mortgage Broker? alcove.com.auWork with Chris: chrisbates@alcove.com.auEnjoyed the podcast? Don't miss out on what's yet to come! Hit that subscription button, spread the word, and join us for more insightful discussions in real estate. Your journey starts now!Subscribe on YouTube: https://www.youtube.com/@theelephantintheroom-podcastSubscribe on Apple Podcasts: https://podcasts.apple.com/ph/podcast/the-elephant-in-the-room-property-podcast/id1384822719Subscribe on Spotify: https://open.spotify.com/show/3r0nnJrLUu3t1GpO7X3j6EIf you enjoyed today's podcast, don't forget to subscribe, rate, and share the show! There's more to come, so we hope to have you along with us on this journey!See you on the inside,Veronica & Chris

Hiring help should make your business easier. But if you do it wrong, it can create more stress, more confusion, and more work. In this solo episode, I break down three mistakes I keep seeing mortgage brokers make when they hire an assistant or underwriter. These came directly from coaching conversations with brokers who are already doing good volume and trying to build more capacity without creating a mess. In This Episode, I Cover: Hiring Too Late - Why waiting until you are completely overwhelmed usually makes the hiring process harder. Confusing People Problems With Process Problems - How unclear systems can make a good hire look like the wrong hire. Not Creating Clear Ownership - Why overlapping responsibilities create unnecessary friction for both the broker and the assistant. The Daily Pipeline Review - A simple 15-minute habit that can keep files moving and prevent small issues from becoming bigger ones. How to Prioritize the Right Work - Why both you and your assistant should leave each day knowing the three most important things to get done. Hiring someone is only part of the solution. You also need clear processes, clear ownership, and a simple rhythm for keeping the work moving. — We're bringing BrokerTalks back to Vancouver, Toronto, and Calgary this fall. If you want to learn from brokers and operators who are actually doing the work, check out https://brokertalks.com/. ILMB PROMO Use code ‘SCOTT' for $50 OFF — Follow me on Instagram: www.instagram.com/scottpeckford/ I Love Mortgage Brokering: www.ilovemortgagebrokering.com Find out more about BRX Mortgage: www.whybrx.com Subscribe to my email list, Peckford's Playbook Join the Mortgage Mindset Daily Gamify your prospecting with the 10@10 App I Love Mortgage Brokering is in partnership with Ownwell. To see how top brokers are keeping clients engaged and generating leads from their database, visit ownwell.ca/scott.

For decades, the path to building wealth in Australia seemed relatively straightforward: buy your home, purchase an investment property, use negative gearing to help manage the cost, and eventually focus more heavily on superannuation.But with changes to negative gearing, capital gains tax and investment structures on the horizon, that traditional strategy is becoming much harder to follow—especially for Australians starting from scratch. So what does financial advice look like now?In this episode, James Wrigley from First Financial joins Veronica and Chris to unpack how the new tax environment is changing the way Australians build wealth. James explains why some clients in their 40s are now being encouraged to put substantially more money into superannuation than they would have previously, while still maintaining money outside super for flexibility.The conversation goes well beyond property. We explore what higher capital gains tax means for shares and ETFs, why automatically rebalancing funds can create additional capital gains, how the proposed changes could affect family trusts and bucket companies, and why some investors may eventually move towards investment company structures instead. We also look at whether property still makes sense when negative gearing becomes less attractive—and why upgrading or renovating your own home could become a more compelling alternative.For younger Australians, James also discusses the First Home Super Saver Scheme and why it could receive more attention as the investment landscape changes. For older Australians, the conversation turns to retirement, investment property sell-down strategies and the growing trend towards "giving while living" as wealth transfers between generations earlier. The message throughout is clear: higher taxes may change the maths, but they shouldn't become an excuse to stop investing altogether.Episode Highlights01:49 – How the Budget Changes Financial Advice05:19 – Why Super Has Become Plan A07:33 – Why Trusts Are Losing Their Appeal10:09 – Division 296: What the $3M Super Rule Means15:15 – Why CGT Makes Investing More Complicated19:44 – Will Higher CGT Kill Investment Aspiration?24:24 – Why Property Still Has a Contrarian Case28:09 – Could Upgrading Your Home Beat Buying Property?31:13 – Why Fear Could Keep Sellers Off the Market36:24 – When Should Investors Sell Before Retirement?38:08 – Why the First Home Super Saver Scheme Matters44:38 – Why Parents Are Choosing to Give Wealth Earlier46:58 – Are Trusts and Bucket Companies Dead?48:13 – Why Investment Companies Could Replace TrustsAbout the GuestJames Wrigley is a financial adviser at First Financial and the author of Retire Life Ready. He has worked in the superannuation and financial advice industry for more than 20 years, including more than a decade as a financial adviser. James is known for breaking down complex financial concepts into practical insights, with hundreds of thousands of Australians following his educational content online.In this episode, James brings a practitioner's perspective to the latest tax changes, drawing on the real conversations he is having with clients across different stages of wealth creation—from people in their 40s who had planned to buy investment properties, to retirees reconsidering their property holdings and families looking at how to transfer wealth to the next generation.Connect with JamesLinkedIn | James WrigleyLinkedIn | First FinancialWebsite| First FinancialResourcesVisit our website: https://www.theelephantintheroom.com.auIf you have any questions or would like to be featured on our show, contact us at:The Elephant in the Room Property Podcast - questions@theelephantintheroom.com.auLooking for a Sydney Buyers Agent? https://www.gooddeeds.com.auWork with Veronica: https://www.veronicamorgan.com.auLooking for a Mortgage Broker? alcove.com.auWork with Chris: chrisbates@alcove.com.auEnjoyed the podcast? Don't miss out on what's yet to come! Hit that subscription button, spread the word, and join us for more insightful discussions in real estate. Your journey starts now!Subscribe on YouTube: https://www.youtube.com/@theelephantintheroom-podcastSubscribe on Apple Podcasts: https://podcasts.apple.com/ph/podcast/the-elephant-in-the-room-property-podcast/id1384822719Subscribe on Spotify: https://open.spotify.com/show/3r0nnJrLUu3t1GpO7X3j6EIf you enjoyed today's podcast, don't forget to subscribe, rate, and share the show! There's more to come, so we hope to have you along with us on this journey!See you on the inside,Veronica & Chris

Contact Marko Gelo, he's a Mortgage Broker!604-800-9593 cell/text Vancouver403-606-3751 cell/text CalgaryCall Marko via WhatsApphomefinancingsolutions.caMost homeowners talk about "the variable rate mortgage" like it's one single product, but it's actually two structurally different ones — and one of them has a hidden threshold called a trigger rate that quietly extended a lot of people's amortizations during the recent rate-hiking cycle. In this episode, I break down the difference between the two types, how you can actually get a rate hold on a variable rate mortgage (it's not the number you'd think), and why your one-time conversion privilege doesn't work quite the way most people assume. CLICK HERE to be redirected to the blog version of this episode.CLICK HERE to be redirected to Mortgagenomics Canada Podcast YouTube ChannelCLICK HERE to download Marko's award-winning Mobile Mortgage App! Hosted on Acast. See acast.com/privacy for more information.

Contact Marko Gelo, he's a Mortgage Broker!604-800-9593 cell/text Vancouver403-606-3751 cell/text CalgaryCall Marko via WhatsApphomefinancingsolutions.caThe Bank of Canada held rates today, but fixed mortgages could still rise. Here's the bond market story behind the headline — and what to do about it.CLICK HERE to be redirected to the blog version of this episode.CLICK HERE to be redirected to Mortgagenomics Canada Podcast YouTube ChannelCLICK HERE to download Marko's award-winning Mobile Mortgage App! Hosted on Acast. See acast.com/privacy for more information.

Host Justin White sits down with:•   Norm Steeg – broker owner, SureFirst Lending Mortgage Industry Veteran Opens Broker Shop With Focus on Purchase LeadsIn his more than three decades in the mortgage industry, Norm Steeg has accomplished everything he set out to do. As he opens a new company in the wholesale channel, he's now focused on cracking the code on purchase leads. In Episode #131 of Good. Better. Broker., host Justin White sits down with Norm to find out why becoming an independent mortgage broker gives him a platform to succeed and give back to the next generation of loan originators.Listeners will learn why it's better to focus on purchases vs. refinances, why there's opportunity for lead generation in the purchase space and the potential to help young people pursue mortgages as a career path.Key Takeaways for Mortgage Brokers•   Purchase business gives brokers a more sustainable path to growth than relying on refinances  •    Lead generation in the purchase space requires creativity, consistency and a willingness to build systems that create long-term opportunity •   Being a broker gives experienced mortgage professionals a platform to serve clients, develop teams and mentor the next generation of loan originatorsIn this episode about purchase leads, we discuss ...•   1:17 – how Norm feels about becoming a broker owner•   2:31 – why Norm decided to open his own broker shop•   3:40 – focusing on purchase business vs. refinances•   4:43 – Norm's expertise in lead generation•   6:00 – the opportunity for lead generation in the purchase space•   9:10 – how distance running helped Norm succeed in business•   14:50 – why creativity helps in business•   16:28 – giving back to the mortgage industry•   19:32 – building a team of servant leadersShow Contributor:Norm SteegConnect on LinkedIn Connect on Facebook Connect on InstagramAbout the Host:Justin White is UWM's in-house brand journalist and the host of UWM Daily. He creates engaging content across multiple platforms to promote the benefits of the wholesale channel and partnering with UWM. A seven-time Emmy-award winner, Justin is a graduate of the S.I. Newhouse School of Public Communications at Syracuse University. Connect with Justin on LinkedIn, Instagram or Twitter Connect with UWM on Social Media:•   Facebook•   LinkedIn•   Instagram•   Twitter•   YouTubeHead to uwm.com to see the latest news and updates.

Contact Marko Gelo, he's a Mortgage Broker!604-800-9593 cell/text Vancouver403-606-3751 cell/text CalgaryCall Marko via WhatsApphomefinancingsolutions.caIf you're shopping for a home or coming up on a renewal in the next several months, your rate hold matters more than you'd think — and it doesn't work the way most people assume. Some lenders quietly pad the held rate with a premium while others will hold the full discount outright. In this article, I break down how to tell which kind of hold you're getting, why timing your renewal submission months in advance (and sometimes even earlier) matters so much, and the questions worth asking before you assume anything.CLICK HERE to be redirected to the blog version of this episode.CLICK HERE to be redirected to Mortgagenomics Canada Podcast YouTube ChannelCLICK HERE to download Marko's award-winning Mobile Mortgage App! Hosted on Acast. See acast.com/privacy for more information.

- AI-Powered Client Onboarding (Keychain)Automate fact-finds, document checks, and medical questionnaires. Get a 2-month free trial: https://calendly.com/keychain-1/keychain-ash-borland → Work with Me: https://work.ashborland.com/  My one-to-one coaching for established brokers. No courses, no group programmes. Just the two of us fixing the structure underneath your business.→ Follow me on IG: https://www.instagram.com/ashborland/  Daily content for brokers, and the fastest way to reach me. My DMs are open and I answer them myself.→ The Mortgage Business Mastery Show: https://www.youtube.com/@ashborland  My weekly show for brokers. A new episode every Monday, around fifteen minutes, one idea worth your week.→ The FREE 14 Day Mortgage Business Boost: https://ashborland.com/boost  One small task in your inbox every day for fourteen days. Do them and your business is in better shape by the end. Costs nothing.→ The Broker Book Club: https://ashborland.com/book-club  One book a month, chosen so you read less and apply more. The thinking behind a stronger business, without the wading through.

Will taxing property investors actually make housing more affordable—or simply change who owns the homes?Australia's housing affordability crisis is real, but the political response to it is anything but straightforward. In this episode of The Elephant in the Room, Veronica Morgan and Chris Bates sit down with Senator Andrew Bragg, Shadow Minister for Housing and Homelessness, for a robust discussion about Labor's changes to negative gearing, capital gains tax and property investment.Andrew argues that Australia's biggest problem isn't simply who owns property or how much tax investors pay—it's that we're not building enough homes. The conversation digs into the unintended consequences of restricting investment, the impact on housing supply, the role of SMSFs, the 5% deposit scheme, migration and whether government policies are inadvertently pushing people towards different forms of leverage.But criticism is only half the conversation. Veronica and Chris push Andrew on what should happen instead, exploring infrastructure funding, construction productivity, skilled migration, planning and regulation, the National Construction Code, tax incentives for new builds and ways to encourage more housing supply. Andrew also outlines three Coalition housing policies: an infrastructure fund, a housing and migration pledge, and a recalibration of the National Construction Code.If you're an investor, homeowner or aspiring buyer trying to understand where Australia's housing market is heading, this is a conversation worth hearing. It cuts through the political slogans and asks the harder question: are we actually fixing the housing problem—or simply moving the pieces around?Episode Highlights01:34 – Why Andrew Bragg Thinks Housing Reform Is Backwards04:13 – Will Taxing Investors Reduce Housing Supply?08:48 – Why Andrew Bragg Opposes the SMSF Property Ban12:13 – Is Superannuation Limiting Your Investment Choices?17:54 – Andrew Bragg's Plan to Get More Homes Built19:46 – Can Migration Keep Rising Without More Housing?28:29 – Can Canberra Actually Force States to Build?31:55 – Could Falling Property Sales Blow a Hole in State Budgets?35:05 – Should Australia Open Up to Foreign Housing Investment?38:51 – Could Tighter Lending Be Locking Buyers Out?42:22 – Is Australia's Housing Crisis Fuelled by Bad Policy?About the GuestSenator Andrew Bragg is the Shadow Minister for Housing and Homelessness and a prominent voice in Australia's housing and economic policy debate. He has been deeply involved in scrutinising Labor's changes to negative gearing, capital gains tax and SMSF property investment, while also helping develop the Coalition's alternative housing agenda.Before entering politics, Andrew worked at Ernst & Young, the Financial Services Council and the Business Council of Australia, giving him extensive experience across financial services, taxation and economic policy. He has also written about Australia's superannuation system, bringing a broader perspective on wealth creation, investment and retirement policy.In this episode, Andrew brings that policy background to one of Australia's most contentious issues: how to improve housing affordability without undermining investment and supply. He makes the case for reducing construction costs and regulation, increasing building productivity, recalibrating migration and making housing development more economically viable.Connect with Sen. AndrewAndrew Bragg - Liberal Party of AustraliaInstagram | Andrew BraggWebsite | Senator Andrew BraggLinkedIn | Senator Andrew BraggYouTube | Senator Andrew BraggTikTok | Senator Andrew BraggX (Formerly Twitter) | Senator Andrew BraggFacebook | Senator Andrew BraggResourcesVisit our website: https://www.theelephantintheroom.com.auIf you have any questions or would like to be featured on our show, contact us at:The Elephant in the Room Property Podcast - questions@theelephantintheroom.com.auLooking for a Sydney Buyers Agent? https://www.gooddeeds.com.auWork with Veronica: https://www.veronicamorgan.com.auLooking for a Mortgage Broker? alcove.com.auWork with Chris: chrisbates@alcove.com.auEnjoyed the podcast? Don't miss out on what's yet to come! Hit that subscription button, spread the word, and join us for more insightful discussions in real estate. Your journey starts now!Subscribe on YouTube: https://www.youtube.com/@theelephantintheroom-podcastSubscribe on Apple Podcasts: https://podcasts.apple.com/ph/podcast/the-elephant-in-the-room-property-podcast/id1384822719Subscribe on Spotify: https://open.spotify.com/show/3r0nnJrLUu3t1GpO7X3j6EIf you enjoyed today's podcast, don't forget to subscribe, rate, and share the show! There's more to come, so we hope to have you along with us on this journey!See you on the inside,Veronica & Chris

Contact Marko Gelo, he's a Mortgage Broker!604-800-9593 cell/text Vancouver403-606-3751 cell/text CalgaryCall Marko via WhatsApphomefinancingsolutions.caCanada just landed at #5 on the list of the largest foreign holders of U.S. government debt — $460 billion worth, according to the latest Treasury data. Most people's first instinct is that this must give Canada some kind of leverage over Washington, but Japan's own $1.1 trillion position proves that instinct wrong. I break down why the U.S. can sell this much debt so easily, what actually happened when Japan floated using its holdings as a bargaining chip, and why this whole dynamic quietly shapes the fixed mortgage rate you're offered.CLICK HERE to be redirected to the blog version of this episode.CLICK HERE to be redirected to Mortgagenomics Canada Podcast YouTube ChannelCLICK HERE to download Marko's award-winning Mobile Mortgage App! Hosted on Acast. See acast.com/privacy for more information.

Contact Marko Gelo, he's a Mortgage Broker!604-800-9593 cell/text Vancouver403-606-3751 cell/text CalgaryCall Marko via WhatsApphomefinancingsolutions.caWith the CUSMA trade talks collapsing and the Bank of Canada holding steady, a lot of people assume all interest rates are moving in the same direction — they're not. What most people don't realize is that your variable rate and your fixed rate follow two entirely different sets of forces, and right now those forces are pointing different ways. I broke down both stories — the Bank of Canada's next move and what's actually driving bond yields after the trade breakdown — so you can make sense of the headlines.CLICK HERE to be redirected to the blog version of this episode.CLICK HERE to be redirected to Mortgagenomics Canada Podcast YouTube ChannelCLICK HERE to download Marko's award-winning Mobile Mortgage App! Hosted on Acast. See acast.com/privacy for more information.

With the 2026 Federal Budget reshaping tax incentives and many investors questioning whether traditional buy-and-hold strategies still make sense, where should property investors be looking next?In this episode, Veronica Morgan and Chris Bates are joined by property developer and educator Michael Tiemens to explore why small-scale property development is becoming an increasingly attractive strategy for investors seeking to build wealth through value creation rather than relying on market appreciation alone. Michael explains how subdivision and development can manufacture equity, while also highlighting the discipline, due diligence, and strategic thinking required to make these projects successful.Together, they unpack the realities behind successful development—from identifying the right sites and understanding buyer demand to conducting rigorous feasibility studies and managing finance, planning, construction, and market risks. They also challenge one of the biggest misconceptions in property investing: that tax benefits should drive investment decisions. Instead, the conversation focuses on building resilient investment strategies based on sound fundamentals, long-term thinking, and careful risk management.Whether you're an experienced investor looking to adapt to Australia's changing tax landscape or you're considering your first development project, this episode offers practical insights into how small-scale development can fit within a smarter, more sustainable property investment strategy. Tune in to discover why creating value—not simply waiting for capital growth—could be the key to building long-term wealth.Episode Highlights01:28 – The Budget Changes the Property Investment Game05:59 – Why Tax Shouldn't Drive Your Investment Strategy13:03 – What Happens When a Development Goes Off Track?18:58 – Buy Low, Create Value, Sell Smart21:15 – How to Negotiate a Better Development Deal23:56 – Build What Buyers Actually Want25:36 – The Battleaxe Block Objections Developers Face26:58 – Why Backyard Living Could Drive Buyer Demand28:59 – Why Property Fundamentals Matter More Than Tax32:20 – Can Partnering With Landowners Make Development Easier?36:27 – The Risks Developers Need to Spot Before Buying40:36 – Why Patience Could Be a Developer's Biggest Advantage43:08 – How to De-Risk a Property Development Project50:20 – Designing Developments Around Real Buyer DemandAbout the GuestMichael Tiemens is a property developer, educator, and founder of Develop Coach, where he helps aspiring and experienced investors navigate the complexities of small-scale property development. After building his own portfolio through subdivision and development projects, Michael has dedicated his career to teaching investors how to create wealth by manufacturing equity rather than relying solely on market appreciation.Drawing on years of hands-on experience, Michael specialises in development feasibility, site selection, subdivision strategy, and risk management. He is passionate about helping investors understand the commercial realities of development, equipping them with practical frameworks to assess opportunities, avoid costly mistakes, and make informed investment decisions in an evolving property market.Through his coaching, education, and real-world project experience, Michael has helped hundreds of investors develop the knowledge and confidence to approach small-scale property development with greater discipline, clarity, and long-term strategic thinking.Connect with MichaelInstagram | Michael TiemensLinkedIn | Michael TiemensWebsite | H.COResourcesVisit our website: https://www.theelephantintheroom.com.auIf you have any questions or would like to be featured on our show, contact us at:The Elephant in the Room Property Podcast - questions@theelephantintheroom.com.auLooking for a Sydney Buyers Agent? https://www.gooddeeds.com.auWork with Veronica: https://www.veronicamorgan.com.auLooking for a Mortgage Broker? alcove.com.auWork with Chris: chrisbates@alcove.com.auEnjoyed the podcast? Don't miss out on what's yet to come! Hit that subscription button, spread the word, and join us for more insightful discussions in real estate. Your journey starts now!Subscribe on YouTube: https://www.youtube.com/@theelephantintheroom-podcastSubscribe on Apple Podcasts: https://podcasts.apple.com/ph/podcast/the-elephant-in-the-room-property-podcast/id1384822719Subscribe on Spotify: https://open.spotify.com/show/3r0nnJrLUu3t1GpO7X3j6EIf you enjoyed today's podcast, don't forget to subscribe, rate, and share the show! There's more to come, so we hope to have you along with us on this journey!See you on the inside,Veronica & Chris

Contact Marko Gelo, he's a Mortgage Broker!604-800-9593 cell/text Vancouver403-606-3751 cell/text CalgaryCall Marko via WhatsApphomefinancingsolutions.caCanadian inflation hit 3.0% in July, but almost the entire move traces back to one thing: gas prices tied to overseas shipping disruptions. What a lot of people don't realize is that even if the Bank of Canada holds steady on September 2nd, your fixed mortgage rate could still move — because fixed rates are priced off global bond yields, not the Bank of Canada. This week's article breaks down why bond markets in the US, Japan, and the UK just hit multi-year highs, what's really driving them, and what it means whether you're on variable, renewing soon, or house hunting in a housing market that's quietly rebalancing.CLICK HERE to be redirected to the blog version of this episode.CLICK HERE to be redirected to Mortgagenomics Canada Podcast YouTube ChannelCLICK HERE to download Marko's award-winning Mobile Mortgage App! Hosted on Acast. See acast.com/privacy for more information.

In this episode, Cezar Mansour, President of Beach Lending, reveals how he applied "The Toyota Way" to revolutionize real estate financing. Drawing from his background at the Army Navy Academy and Toyota Technical Center, Cezar explains how principles like PDCA (Plan-Do-Check-Act) and 5S can eliminate operational waste and drive business success. He shares the inspiration behind his AI-driven tools, including Savvy Broker and a custom "Nick Saban" coaching agent, which transform static databases into active "goldmines." Cezar discusses his transition from the automotive industry to entrepreneurship, emphasizing that routine matters more than rates. He also redefines networking as "socializing," sharing insights from his upcoming book, Memoirs of a Mortgage Broker. Whether you're interested in supply chain efficiency, AI integration, or relationship-based growth, this conversation offers a masterclass in disciplined execution. Learn why a good process always produces good results and how to stay ahead of automation in a shifting market. Key Takeaways: The Toyota Framework: How to apply PDCA and 5S to streamline business operations and eliminate "waste." AI as a Coach: Using custom AI agents for "film breakdown" style sales coaching and real-time analytics. Mining the Goldmine: Turning idle spreadsheets into active income through automated client touchpoints. Socialize, Don't Network: Why showing up in people's lives is the ultimate strategy for referral-based growth. Stay connected with CSCR on LinkedIn (Center for Supply Chain Research) and Instagram (@pennstatesupplychain), and be sure to follow us on Spotify, Apple Podcasts, or wherever you are tuning into Unpacked: Insights hosted by the Penn State Smeal Center for Supply Chain Research™. Thank you for joining us!  Visit our website: https://www.smeal.psu.edu/cscr  Guest Bio: Cezar Mansour is President and Owner of Beach Lending, Inc., a real estate financing firm located in Redondo Beach, California. His business specializes in assisting people with the purchase of their first residence and the purchase of investment properties, both commercial and residential. (www.beachlending.com). To support the mission of Beach Lending, Cezar is currently co-developing two additional businesses, Clear Blue Realty and Clarity Escrow. After 15 years in the automotive industry, Cezar decided to follow his entrepreneurial instincts. Naturally outgoing and helpful, he was quickly drawn to the business of real estate financing because of its ability to positively impact people's lives and their futures. He earned his real estate broker's license and launched Beach Lending shortly thereafter. Cezar's experience of starting and operating his own referral-based business inspired him to author his first book, “The Official Guide to Building a Referral Based Business,” a comprehensive guide that helps mortgage brokers, independent contractors, and small companies successfully manage and grow their businesses. Cezar is also Co-founder and CEO of the Business Success Club, a networking company consisting of various networking groups created to help likeminded entrepreneurs support and expand each other's businesses (www.biznetclub.com). Cezar is the Chairman of the Redondo Beach Chamber of Commerce Ambassador Committee. He is also a Member of the Board of Realtors, the California Association of Mortgage Brokers, and the National Association of Mortgage Brokers. A graduate of the Army and Navy Academy, he also holds a Web Masters Degree from Penn State University. Residing in beautiful Redondo Beach, Cezar and his wife of sixteen years, Tiffany, have three children. When he isn't busy launching a new business venture, Cezar enjoys spending time with his family and volunteering as an AYSO soccer coach. He feels that coaching is a great way to instill confidence in players by emphasizing the importance of focus, commitment, and teamwork.

Host Justin White sits down with:•   Mark Hossler – CEO and Founder, Secure Choice LendingAI for Mortgage Brokers: How to Save Time, Support Loan Officers and Build a More Efficient BusinessAI for mortgage brokers is no longer a concept of the future — it's already changing how broker shops operate, support loan officers and serve borrowers. In Episode #130 of Good. Better. Broker., Mark Hossler of Secure Choice Lending discusses how mortgage brokers can use technology, integrated systems and practical AI solutions to help reduce friction, streamline daily operations and create better experiences for loan officers, borrowers and real estate agents.Listeners will learn how to use AI, workflow automation and loan origination technology to improve loan officer efficiency while focusing on mortgage expertise and production.Key Takeaways for Mortgage Brokers•   AI can help mortgage brokers save time by streamlining repetitive tasks and improving internal workflows•   Integrated mortgage technology can give loan officers better support without pulling brokers away from their core business•   Broker shops that embrace AI and automation can create a more efficient loan process and a stronger experience for borrowers and referral partnersIn this episode about AI, mortgage broker technology and loan officer efficiency, we discuss ...•   1:37 – Secure Choice's business model•   2:56 – why Mark believes his company is the best place for an LO to work•   4:39 – why loan officers rarely leave Secure Choice Lending•   5:36 – being a leader and an originator•   6:58 – selling against the flat fee model •   9:13 – Secure Choice Lending's assembly line loan process•   10:21 – how AI helps streamline daily operations•   11:51 – using AI to build better loan origination tools•   14:30 – why integrated technology creates a better workflow•   17:40 – how consolidating technology can reduce costs•   19:35 – prioritizing mortgages over coding•   20:55 – why brokers should start embracing AI now•   22:11 – how LOs can find broker shops that embrace technologyShow Contributor:Mark HosslerConnect on LinkedIn Connect on Facebook Connect on InstagramAbout the Host:Justin White is UWM's in-house brand journalist and the host of UWM Daily. He creates engaging content across multiple platforms to promote the benefits of the wholesale channel and partnering with UWM. A seven-time Emmy-award winner, Justin is a graduate of the S.I. Newhouse School of Public Communications at Syracuse University. Connect with Justin on LinkedIn, Instagram or Twitter Connect with UWM on Social Media:•   Facebook•   LinkedIn•   Instagram•   Twitter•   YouTubeHead to uwm.com to see the latest news and updates.

The buyer's agent industry has exploded in popularity, attracting new clients and new operators alike. But rapid growth has exposed a deeper problem: experience takes years to build, while a buyer's agent business can be launched much faster.In this episode, Bryce Holdaway joins Veronica and Chris to unpack the growing standards problem facing buyer's agents. They explore the experience gap among new entrants, the risks of borderless investing without genuine local expertise, and what happens when marketing skills outpace due diligence and property-buying skills.They also challenge the industry's obsession with “off-market” opportunities and silver-bullet strategies. Bryce argues that parts of the buyer's agent industry may have contributed to recent government intervention, while Veronica reflects on how poor practices have damaged the trust the profession once enjoyed.So what actually makes a good buyer's agent, and how does the industry rebuild consumer trust?This conversation is a candid look at where buyer's agency is heading, what needs to change, and why the next generation of professionals needs to get serious about the craft—not just the marketing.Episode Highlights02:04 — Why Did Bryce and Veronica Join Forces Again?06:43 — Can Regulation Really Fix Buyer's Agency?09:14 — Is Marketing Getting Ahead of the Craft?11:22 — Why You Can't Fake Local Market Expertise16:09 — Who Pays When Buyer's Agents Lack Experience?19:12 — Could the Budget Be Good for Buyer's Agency?24:15 — Stop Copying Others: Find Your Own Differentiation27:41 — Why More Information Isn't the Answer30:19 — Why Good Buyer's Agents Need to Say No33:42 — Why Community and Accountability Matter35:14 — Where Are You: Start, Grow or Scale?38:12 — The Skills Buyer's Agents Will Need Next43:30 — Is “Snake Oil” Damaging Buyer's Agency?47:42 — Rebuilding Trust in the Buyer's Agent Industry51:36 — What Needs to Change From Here?About the GuestBryce Holdaway is a buyer's agent, property expert, author, speaker, television presenter and business executive with decades of experience in Australia's property industry. Originally trained as an accountant in Perth, Bryce discovered an interest in property while working with investment property clients before making the move into buyer's advocacy and building a career focused on helping Australians make better property decisions.Over his career, Bryce has built significant experience across property investment, buyer's advocacy and business growth, including building a business with more than 130 staff and over $25 million in revenue. His experience spans investor-focused and owner-occupier property buying, interstate markets, team development and the systems required to build a sustainable property business.Bryce has now reunited professionally with Veronica through Buyer's Agent Mastery, an initiative focused on helping buyer's agents strengthen their skills, businesses and client outcomes. Their aim is to bring greater leadership and professional standards to a rapidly growing industry while helping the next generation of buyer's agents learn from the experience of those who have already built long-term careers in the field.Connect with BryceLinkedInFacebookInstagramWebsiteResourcesVisit our website: https://www.theelephantintheroom.com.auIf you have any questions or would like to be featured on our show, contact us at:The Elephant in the Room Property Podcast - questions@theelephantintheroom.com.auLooking for a Sydney Buyers Agent? https://www.gooddeeds.com.auWork with Veronica: https://www.veronicamorgan.com.auLooking for a Mortgage Broker? alcove.com.auWork with Chris: chrisbates@alcove.com.auEnjoyed the podcast? Don't miss out on what's yet to come! Hit that subscription button, spread the word, and join us for more insightful discussions in real estate. Your journey starts now!Subscribe on YouTube: https://www.youtube.com/@theelephantintheroom-podcastSubscribe on Apple Podcasts: https://podcasts.apple.com/ph/podcast/the-elephant-in-the-room-property-podcast/id1384822719Subscribe on Spotify: https://open.spotify.com/show/3r0nnJrLUu3t1GpO7X3j6EIf you enjoyed today's podcast, don't forget to subscribe, rate, and share the show! There's more to come, so we hope to have you along with us on this journey!See you on the inside,Veronica & Chris

Contact Marko Gelo, he's a Mortgage Broker!604-800-9593 cell/text Vancouver403-606-3751 cell/text CalgaryCall Marko via WhatsApphomefinancingsolutions.caIf you've got a purchase, refinance, or renewal coming up, you might be assuming you automatically need to book a lawyer or notary — and depending on which one it is, that assumption could be wrong. A lot of clients are surprised to learn that a straightforward renewal with your current lender often needs no legal involvement at all, while switching lenders or refinancing usually does. In this week's episode, I break down exactly which transactions require legal services, which don't, and roughly what it all costs.CLICK HERE to be redirected to the blog version of this episode.CLICK HERE to be redirected to Mortgagenomics Canada Podcast YouTube ChannelCLICK HERE to download Marko's award-winning Mobile Mortgage App! Hosted on Acast. See acast.com/privacy for more information.

Contact Marko Gelo, he's a Mortgage Broker!604-800-9593 cell/text Vancouver403-606-3751 cell/text CalgaryCall Marko via WhatsApphomefinancingsolutions.caIf a guarantor, a non-borrowing spouse, or anyone signing without directly benefiting from the funds is part of your mortgage, there's a legal step that gets triggered more often than people expect. A lot of clients are surprised to learn it's not optional once a lender flags it — and it can hold up closing if it's not booked early. In this episode, I break down exactly when it applies, what the appointment actually looks like, and how much it costs. CLICK HERE to be redirected to the blog version of this episode.CLICK HERE to be redirected to Mortgagenomics Canada Podcast YouTube ChannelCLICK HERE to download Marko's award-winning Mobile Mortgage App! Hosted on Acast. See acast.com/privacy for more information.

Selling a property in a slower market is less about timing the market and more about understanding where your property truly sits within it.In this episode, Veronica and Chris unpack why so many sellers fall short of their expectations, from unrealistic price hopes to choosing the wrong approach when it comes time to sell. They explore how quickly conditions can shift, and why clarity around your property's position is one of the most important steps in achieving a strong result.The conversation dives into what separates A-grade properties from those that struggle when buyer demand softens, and why emotional decision-making can quietly cost vendors thousands. Veronica and Chris also discuss the importance of independent advice, and how it can help homeowners avoid common traps that show up during the selling process. From there, they look at the realities of upgrading in today's market—whether it's better to buy first or sell first, and how to manage the risks when you're trying to do both.They also break down practical considerations like pricing strategy, owner-occupier demand, renovation potential, and why some properties consistently hold their appeal across different market cycles. A key theme throughout is the importance of thinking ahead—understanding resale value and buyer perception long before a property ever hits the market.Whether you're preparing to sell, planning your next move, or reviewing your long-term property strategy, this episode is packed with grounded, real-world insights to help you make more confident decisions. Hit play to learn why smart planning—not market timing—is what really drives better property outcomes.Episode Highlights03:45 – The Sale That Cost More Than Expected08:29 – Why Property Flaws Matter More in a Slow Market14:20 – The Buyer–Seller Standoff Slowing the Market24:50 – Should You Sell First or Buy First?29:07 – How to Reduce Lending Risk When Upgrading32:04 – Why Pressure Leads to Expensive Property Mistakes38:31 – The 'Frog in the Pot' Trap for Property Sellers43:28 – When Bad Auction Advice Costs You Thousands53:45 – Knowing When to Walk Away From a Sale56:35 – Why More Investors Are Selling Interstate PropertiesAbout the HostVeronica Morgan is one of Australia's most respected property experts, with decades of experience spanning property investment, buyer advocacy, market analysis, and consumer education. As the co-host of The Elephant in the Room and co-founder of Homebuyer Academy, Veronica is known for her evidence-based approach to property investing and her ability to cut through industry hype with clear, strategic insights. Having worked through multiple property cycles, she specialises in helping buyers understand the long-term drivers of capital growth, asset selection, and risk management in an increasingly complex housing market.Chris Bates is the founder and CEO of Alcove, an award-winning mortgage broking and property advisory firm that helps Australians make smarter financial and property decisions. With deep expertise in lending strategy, borrowing capacity, debt structuring, and cash flow management, Chris works closely with first-home buyers, owner-occupiers, and investors navigating changing market conditions. He is widely recognised for his analytical approach to property and finance, as well as his willingness to challenge conventional wisdom and hype-driven investment narratives.Together, Veronica and Chris bring a rare combination of on-the-ground property expertise and real-world lending insight. Their conversations blend macroeconomic analysis with practical strategy, helping listeners better understand not just what is happening in the Australian property market—but why it matters and how to respond intelligently.ResourcesVisit our website: https://www.theelephantintheroom.com.auIf you have any questions or would like to be featured on our show, contact us at:The Elephant in the Room Property Podcast - questions@theelephantintheroom.com.auLooking for a Sydney Buyers Agent? https://www.gooddeeds.com.auWork with Veronica: https://www.veronicamorgan.com.auLooking for a Mortgage Broker? alcove.com.auWork with Chris: chrisbates@alcove.com.auEnjoyed the podcast? Don't miss out on what's yet to come! Hit that subscription button, spread the word, and join us for more insightful discussions in real estate. Your journey starts now!Subscribe on YouTube: https://www.youtube.com/@theelephantintheroom-podcastSubscribe on Apple Podcasts: https://podcasts.apple.com/ph/podcast/the-elephant-in-the-room-property-podcast/id1384822719Subscribe on Spotify: https://open.spotify.com/show/3r0nnJrLUu3t1GpO7X3j6EIf you enjoyed today's podcast, don't forget to subscribe, rate, and share the show! There's more to come, so we hope to have you along with us on this journey!See you on the inside,Veronica & Chris

Contact Marko Gelo, he's a Mortgage Broker!604-800-9593 cell/text Vancouver403-606-3751 cell/text CalgaryCall Marko via WhatsApphomefinancingsolutions.caIf family is helping with your down payment, timing matters more than you'd think. Most people don't know that gifted funds sitting untouched in your account for 90 consecutive days are no longer treated as a gift at all — they become your own money in the eyes of your lender. That distinction can open up mortgage programs a fresh gift wouldn't qualify for, and it's just one of several rules worth knowing before you rely on family funds. In this episode, I broke down the full picture — who can gift you money, how much paperwork is really required, and what happens when funds come from abroad.CLICK HERE to be redirected to the blog version of this episode.CLICK HERE to be redirected to Mortgagenomics Canada Podcast YouTube ChannelCLICK HERE to download Marko's award-winning Mobile Mortgage App! Hosted on Acast. See acast.com/privacy for more information.

The following guest sits down with host Justin White:•   Gilbert Bennett - Loan Originator, My Easy MortgageConsistently Making Outbound Phone Calls Opens the Door for Business OpportunitiesEven when it seems like there isn't a reason to call your past clients, you still need to make those calls. Why should mortgage loan originators set aside time every day for outbound calls? Listen to Episode #129 of Good. Better. Broker. as we sit down with a mortgage broker who is smiling and dialing his way to more leads and loans.In this episode of the Good. Better. Broker. podcast, you'll learn why it's important to call clients even if they aren't in the market for a mortgage.In this episode, we discuss ...•   1:22 – how Gilbert got into the mortgage business•   7:10 – the importance of making outbound calls•   9:16 – why phone calls make the loan process easier•   10:54 – why stronger relationships are built through the phone•   13:56 – the phone call that gets Gilbert 8-10 leads every month•   16:47 – events Gilbert hosts to stay in touch with clients•   20:29 – the benefits of staying connected with clientsResources mentioned in this episode: The Core TrainingShow Contributor:Gilbert BennettConnect on LinkedIn Connect on Facebook Connect on InstagramAbout the Host:Justin White is UWM's in-house brand journalist and the host of UWM Daily. He creates engaging content across multiple platforms to promote the benefits of the wholesale channel and partnering with UWM. A seven-time Emmy Award winner, Justin is a graduate of the S.I. Newhouse School of Public Communications at Syracuse University. Connect with Justin on LinkedIn, Instagram or Twitter Connect with UWM on Social Media:•   Facebook•   LinkedIn•   Instagram•   Twitter•   YouTubeHead to uwm.com to see the latest news and updates.

Are you about to separate and have absolutely no idea what happens to the house? Do you keep it? Do you sell it? Do you have to be the one who leaves? And what happens to the mortgage?

Australia's latest housing policies are designed to make home ownership more accessible—but are they creating unintended consequences for investors, renters, and the broader property market? In this episode, property data expert Kent Lardner returns to examine what the numbers are already revealing about investor behaviour following the Federal Budget, and why the government's expectations may not match reality.Drawing on decades of experience analysing suburb-level property data, Kent explains why many investors are unlikely to rush into newly built properties despite generous tax incentives. Instead, many may simply sit on the sidelines, waiting for political uncertainty to settle, while established investment properties gradually disappear from the rental pool. The conversation explores why cash flow alone rarely drives successful investing, how inventory levels tell a very different story from headline listings data, and why inner-ring suburbs across Sydney and Melbourne may prove far more resilient than many expect.The discussion also dives into the changing behaviour of buyer's agents, the rise of "spreadsheet investing," Brisbane's slowing momentum, and the lessons Australia may be able to learn from New Zealand's recent property market correction. Along the way, Veronica, Chris, and Kent challenge some of the biggest assumptions currently dominating the housing debate—including whether encouraging investors into new developments will actually improve affordability.Whether you're an investor, buyer's agent, homeowner or simply trying to understand where Australia's property market is heading next, this episode offers a data-driven perspective that cuts through the political headlines and focuses on what the numbers are really saying.Episode Highlights02:20 Will the Budget Really Change Investor Behaviour?05:37 The Supply Problem Nobody's Talking About07:03 Are Buyer's Agents Chasing the Wrong Strategy?12:13 What Happens When Investors Leave the Market?25:42 Why Listings Don't Tell the Whole Market Story30:54 The Truth About Investor Demand Right Now33:02 Why Buyers Disappear in Falling Markets35:32 Why New Builds Aren't Winning Investors Over41:21 Which Cities Still Offer the Best Opportunities?45:21 Where Investor Demand Could Create Future Risks47:43 Final Thoughts & Your Property Questions AnsweredAbout the GuestKent Lardner is one of Australia's most respected property data analysts, bringing more than three decades of experience interpreting housing market trends at both macro and suburb level. Best known for helping investors, researchers and property professionals understand what lies beneath headline statistics, Kent has built a career transforming complex data into practical market intelligence.Throughout his career, Kent has contributed to some of Australia's most influential property data platforms, including CoreLogic, and has become widely recognised for his expertise in market cycles, housing supply, inventory analysis, rental trends and statistical modelling. His work has helped shape how property professionals assess investment opportunities beyond median prices and broad market averages.Today, Kent continues his research through Founded, where he analyses housing market dynamics, investor behaviour and emerging trends across Australia. His evidence-based approach and ability to challenge conventional wisdom have made him a trusted voice for anyone seeking a deeper understanding of the property market.Connect with KentLinkedIn | Kent LardnerWebsite | SuburbtrendsInstagram | Kent Lardner ResourcesVisit our website: https://www.theelephantintheroom.com.auIf you have any questions or would like to be featured on our show, contact us at:The Elephant in the Room Property Podcast - questions@theelephantintheroom.com.auLooking for a Sydney Buyers Agent? https://www.gooddeeds.com.auWork with Veronica: https://www.veronicamorgan.com.auLooking for a Mortgage Broker? alcove.com.auWork with Chris: chrisbates@alcove.com.au Enjoyed the podcast? Don't miss out on what's yet to come! Hit that subscription button, spread the word, and join us for more insightful discussions in real estate. Your journey starts now!Subscribe on YouTube: https://www.youtube.com/@theelephantintheroom-podcastSubscribe on Apple Podcasts: https://podcasts.apple.com/ph/podcast/the-elephant-in-the-room-property-podcast/id1384822719Subscribe on Spotify: https://open.spotify.com/show/3r0nnJrLUu3t1GpO7X3j6EIf you enjoyed today's podcast, don't forget to subscribe, rate, and share the show! There's more to come, so we hope to have you along with us on this journey!See you on the inside,Veronica & Chris

In this episode, we sit down with Bryan Atwood to discuss how six generations of real estate experience shaped his career, what inspired him to build Atwood Mortgage, and the values that continue to guide his team today.Bryan shares the connection between real estate and lending, clears up common misconceptions about mortgage brokers, and explains how his team has maintained a 100% closing ratio on the underwriting side. As an Army veteran, he also discusses the realities of VA loans, the advantages they offer, and why he's passionate about educating real estate professionals on how to better serve veterans.Whether you're a real estate professional, planning to buy a home, or simply want a better understanding of the lending process, this conversation is filled with valuable insights and practical advice.Instagram: @mortgagesbybryan

You do not need to figure everything out from scratch. You can cheat on the test. This episode comes from a talk I gave during our spring BrokerTalks events last April-May. I break down how mortgage brokers can copy a simple podcast strategy that already works and use it to build relationships, create trust, and generate business. I also share the two-show strategy I would use today: interview episodes to grow your network and solo episodes to show your expertise. The best part is that you can batch the whole thing in one afternoon a month. You do not need a studio, a big team, or thousands of downloads. You need a clear title, a simple format, and the willingness to copy what works and put it into action. In this episode, I cover: How to Cheat on the Test - Stop trying to invent everything yourself and start copying strategies that have already proven to work. The Two-Show Strategy - Use interviews to grow your network and short solo episodes to build trust and demonstrate your expertise. Why Local Podcasts Work - A small, focused audience can be far more valuable than thousands of listeners who will never do business with you. How to Find Content Ideas - Use client questions, closed files, market changes, and stories from your sent folder. How to Launch Without Overcomplicating It - Pick a clear title, record several episodes in advance, and publish consistently. You do not need a brand-new strategy. Cheat on the test, copy what already works, make it relevant to your market, and start. Check out My Tech Stack  Follow me on Instagram: www.instagram.com/scottpeckford/ I Love Mortgage Brokering: www.ilovemortgagebrokering.com Find out more about BRX Mortgage: www.whybrx.com Subscribe to my email list, Peckford's Playbook: https://ilmb.activehosted.com/f/20 Join the Mortgage Mindset Daily: https://ilovemortgagebrokering.mykajabi.com/offers/VLZAr6vK/checkout Gamify your prospecting with the 10@10 App: https://brx10at10.com/join I Love Mortgage Brokering is in partnership with Ownwell. To see how top brokers are keeping clients engaged and generating leads from their database, visit ownwell.ca/scott.

Contact Marko Gelo, he's a Mortgage Broker!604-800-9593 cell/text Vancouver403-606-3751 cell/text CalgaryCall Marko via WhatsApphomefinancingsolutions.caWith qualifying still tough for many first-time buyers, co-signing — and its often-overlooked counterpart, guarantoring — has become one of the most common ways families help each other into the market. What surprises most people is that a co-signor is on the hook for 100% of the mortgage and it lands on their own credit report, while even guarantors aren't always as protected as they think. In my latest episode, I break down the real difference between the two roles, why a strong income doesn't always mean a stronger application, the industry-wide shift toward registering co-signors (and guarantors) on title, and the exit strategy that means you're not on the hook forever. If you've been asked to co-sign or guarantee a mortgage — or you're thinking of asking someone — listen to this first.CLICK HERE to be redirected to the blog version of this episode.CLICK HERE to be redirected to Mortgagenomics Canada Podcast YouTube ChannelCLICK HERE to download Marko's award-winning Mobile Mortgage App! Hosted on Acast. See acast.com/privacy for more information.

Negative gearing is one of the most divisive topics in Australian property—and few people are willing to have a genuine conversation about it.In this episode, Chris Bates and Veronica Morgan sit down with renowned economist Saul Eslake to explore one of the biggest policy debates in housing, challenging long-held assumptions on all sides of the argument.Rather than debating who's right or wrong, the conversation unpacks the economic principles behind negative gearing, the capital gains tax discount, and why tax policy shapes where Australians choose to invest. Saul explains why he believes a more neutral tax system would create a fairer economy, while Chris and Veronica question what the proposed reforms could mean for housing supply, investor behaviour, rents, and affordability.The discussion extends well beyond property tax. They examine Australia's reliance on mum-and-dad investors, the role of institutional investment and social housing, why encouraging new housing supply matters, and whether Australia has become too dependent on property as a wealth-building vehicle. Along the way, they tackle productivity, government policy, and the difficult trade-offs involved in creating a housing system that works for both investors and aspiring homeowners.Whether you agree with Saul's views or not, this episode offers a rare opportunity to hear a respectful, evidence-based discussion between people who don't always see eye to eye. If you've ever wondered whether negative gearing really solves—or contributes to—Australia's housing challenges, this conversation will give you plenty to think about.Episode Highlights01:34 – Meet Saul Eslake05:30 – Why Property Beats Startups on Tax10:56 – The CGT Discount Explained14:45 – Challenging the Case for Tax Reform16:42 – Does Negative Gearing Increase Supply?18:12 – Do Tax Incentives Really Build More Homes?23:07 – Who Wins, Who Loses Under Tax Reform?28:56 – The Unintended Consequences of Reform31:46 – Has Australia Become Addicted to Property?34:44 – Why Social Housing Keeps Falling Short38:32 – What Happens If Investors Leave?41:24 – Can Supply Incentives Really Work?45:36 – Why Cheap Apartments Are Disappearing49:06 – Is Australia's Tax System Really Fair?54:02 – What's Behind Australia's Productivity Slump?59:04 – Why Higher Inflation May Be Here to StayAbout the GuestSaul Eslake is one of Australia's most respected independent economists, with decades of experience analysing the Australian economy, public policy, housing markets and taxation. Throughout his career, he has served as Chief Economist for ANZ Bank and Bank of America Merrill Lynch Australia, while also advising governments, businesses and industry organisations on economic policy and reform.Known for his evidence-based approach and willingness to challenge conventional thinking, Saul is a leading voice on issues including housing affordability, taxation, productivity and Australia's long-term economic future. His commentary regularly appears across Australia's major media outlets, where he helps translate complex economic issues into practical insights.Connect with SaulLinkedIn | Saul EslakeWebsite | Saul EslakeYouTube | Saul EslakeResourcesVisit our website: https://www.theelephantintheroom.com.auIf you have any questions or would like to be featured on our show, contact us at:The Elephant in the Room Property Podcast - questions@theelephantintheroom.com.auLooking for a Sydney Buyers Agent? https://www.gooddeeds.com.auWork with Veronica: https://www.veronicamorgan.com.auLooking for a Mortgage Broker? alcove.com.auWork with Chris: chrisbates@alcove.com.auEnjoyed the podcast? Don't miss out on what's yet to come! Hit that subscription button, spread the word, and join us for more insightful discussions in real estate. Your journey starts now!Subscribe on YouTube: https://www.youtube.com/@theelephantintheroom-podcastSubscribe on Apple Podcasts: https://podcasts.apple.com/ph/podcast/the-elephant-in-the-room-property-podcast/id1384822719Subscribe on Spotify: https://open.spotify.com/show/3r0nnJrLUu3t1GpO7X3j6EIf you enjoyed today's podcast, don't forget to subscribe, rate, and share the show! There's more to come, so we hope to have you along with us on this journey!See you on the inside,Veronica & Chris

Contact Marko Gelo, he's a Mortgage Broker!604-800-9593 cell/text Vancouver403-606-3751 cell/text CalgaryCall Marko via WhatsApphomefinancingsolutions.caA growing number of Canadian homeowners are discovering that upgrading doesn't have to mean selling — and the difference between those who know this and those who don't can be worth hundreds of thousands of dollars over time. Most people don't realize there's a refinancing move that can turn a mortgage-heavy property into a cash-flowing rental almost overnight.CLICK HERE to be redirected to the blog version of this episode.CLICK HERE to be redirected to Mortgagenomics Canada Podcast YouTube ChannelCLICK HERE to download Marko's award-winning Mobile Mortgage App! Hosted on Acast. See acast.com/privacy for more information.

#112: Want to know the exact difference between how a rookie analyzes a deal and how a seasoned pro spots an immediate "yes"? Most investors freeze before their first property because they lack one foundational skill.  Welcome to the Lenders playbook podcast Episode 112- we are your go to podcast for all things private lending, real estate and entrepreneurship, I am your host Matt Rosen In this episode, mortgage expert and real estate investor Gerard Mier shares his journey from high school roots to running a multi-project investment empire. We pull back the curtain on his exact process—from finding a deal to closing it and break down:The #1 skill you must master before buying your first property.The internal systems and key hires that allow him to scale projects while running a mortgage business.His $0 "start-over" blueprint and the habits driving his success.Ready to stop analyzing from the sidelines? Hit subscribe so you never miss an episode, and leave a 5-star review if this blueprint helped you plan your next deal!We would like to have you join us! Oct. 9-10 in Las Vegas at the Green Valley Ranch is the most anticipated private lending event of the year! Don't miss it! Go to https://www.americanlendingconference.com/

Borderless property investing has become one of the fastest-growing strategies in real estate—but is it helping investors build wealth, or simply making it easier to sell property at scale?In this episode, we are joined by buyer's advocate and negotiation expert Scott Aggett to unpack the rise of borderless buyer's agents and the risks investors need to understand before buying interstate. With proposed changes to negative gearing and capital gains tax reshaping the investment landscape, we examine whether high-volume, data-driven buying models are still fit for purpose, and why relying on market trends alone could leave investors exposed when it's time to sell.Together, we explore the importance of due diligence, local market expertise, and having a clear exit strategy before purchasing an investment property. The conversation also tackles the growing role of AI in property research, the limitations of data-driven investing, buying sight unseen, and why choosing the right adviser may be just as important as choosing the right property.Whether you're considering your first investment property or expanding your portfolio across Australia, this episode will challenge some of the industry's biggest assumptions and help you build a smarter, more resilient property investment strategy.Episode Highlights00:25 – Meet Scott Aggett: A Different Take on Property Advice05:55 – Melbourne Units: Bargain Buy or Bad Investment?08:21 – The Dangerous Side of Data-Driven Investing14:57 – Property Horror Stories That Cost Investors Big17:39 – Why the Budget Changed the Property Narrative21:55 – Who's Regulating Buyer's Agents?27:23 – Raising the Standard for Buyer's Agents30:20 – AI Won't Replace Property Expertise—Here's Why37:41 – The Investor's Dilemma After the Budget41:31 – Four Strategies for Today's Property Investors44:49 – Where Smart Investors Should Be Looking Next49:49 – Why Portfolio Hype Can Hurt Your WealthAbout the GuestScott Aggett is a buyer's advocate, negotiation specialist, and property professional with extensive experience representing buyers across Australia's property market. Having worked on both the selling and buying sides of real estate, Scott brings a unique perspective on how properties are marketed, negotiated, and ultimately purchased.Through his work with Green Shoots, Scott has built a reputation for strategic advice, rigorous due diligence, and skilled negotiation, helping clients make informed property decisions rather than simply facilitating transactions. His approach combines practical market knowledge with a strong focus on protecting buyers from costly mistakes in an increasingly complex property landscape.In this episode, Scott shares his insights on the rise of borderless buyer's agents, the evolving role of AI in property investing, and why long-term thinking, local expertise, and professional due diligence remain essential for successful property investment.Connect with ScottLinkedIn | Scott AggettWebsite| Scott AggettWebsite | Green Shoots PropertyLinkedIn | Green ShootResourcesVisit our website: https://www.theelephantintheroom.com.auIf you have any questions or would like to be featured on our show, contact us at:The Elephant in the Room Property Podcast - questions@theelephantintheroom.com.auLooking for a Sydney Buyers Agent? https://www.gooddeeds.com.auWork with Veronica: https://www.veronicamorgan.com.auLooking for a Mortgage Broker? alcove.com.auWork with Chris: chrisbates@alcove.com.auEnjoyed the podcast? Don't miss out on what's yet to come! Hit that subscription button, spread the word, and join us for more insightful discussions in real estate. Your journey starts now!Subscribe on YouTube: https://www.youtube.com/@theelephantintheroom-podcastSubscribe on Apple Podcasts: https://podcasts.apple.com/ph/podcast/the-elephant-in-the-room-property-podcast/id1384822719Subscribe on Spotify: https://open.spotify.com/show/3r0nnJrLUu3t1GpO7X3j6EIf you enjoyed today's podcast, don't forget to subscribe, rate, and share the show! There's more to come, so we hope to have you along with us on this journey!See you on the inside,Veronica & Chris

Success in the mortgage industry is built on one thing: execution.In this training, Ace shares the habits, mindset, and daily disciplines that separate top-producing loan officers from everyone else. Learn how to manage your leads, build stronger client relationships, stay organized, maintain consistent follow-up, and execute every day regardless of the circumstances.Whether you're struggling with lead conversion, follow-up, prospecting, or simply staying disciplined, these principles will help you build a stronger mortgage business over the long term.Topics Covered:• Mortgage lead management• Loan officer mindset• Follow-up strategies• Client relationship building• Daily sales habits• Mortgage sales training• Personal branding for loan officers• Consistency and executionSupport the show⚡READY TO BUILD A REAL CAREER IN SALES, MORTGAGES, OR LEADERSHIP?Apply here and choose your track. Already happy with your career? Grab the standalone products and trainings anytime inside the shop.

For years, Australia's housing crisis has been framed as a simple supply problem: cut planning red tape, approve more developments, and housing affordability will improve. But what if we've been solving the wrong problem all along?In this episode, urban economist and town planner Tim Sneesby joins Veronica Morgan and Chris Bates to challenge one of the most widely accepted narratives in Australian property. Drawing on his experience in planning, urban economics, and public policy, Tim unpacks why planning regulations may not be the primary barrier to housing delivery. Together, they explore why more than 100,000 approved homes in New South Wales remain unbuilt, what developer feasibility has to do with housing supply, and why interest rates, financial markets, and broader economic conditions may have a far greater influence on affordability than planning reform alone.The conversation also dives into the NSW Government's planning reforms, including low and mid-rise housing policies, transport-oriented development, and the growing debate between state-led rezoning and strategic local planning. Tim explains why blanket upzoning may not deliver the housing outcomes governments are hoping for, and why infrastructure, long-term planning, and genuine affordable housing should be part of the conversation if Australia is serious about tackling its housing affordability crisis.Whether you're a property investor, home buyer, industry professional, or simply trying to make sense of Australia's housing debate, this episode offers a fresh perspective on one of the country's biggest policy challenges. If you've ever wondered why housing remains so expensive despite years of planning reform, this conversation will challenge your assumptions and help you see the bigger picture.Episode Highlights01:50 – Meet the Expert Challenging Housing Myths08:56 – What's Really Driving House Prices?16:47 – Is NIMBYism Really Blocking Housing?19:55 – A Better Alternative to Blanket Rezoning23:09 – The Affordable Housing Catch30:46 – The Truth About Infill vs Greenfield34:56 – Why Interest Rates Matter More Than Supply36:26 – What Really Drives Housing Demand?39:02 – The Hidden Labour Crisis Behind Housing43:00 – Why Equity Keeps Driving Property Prices47:06 – Why Developers Can't Build Everything49:04 – Why Approved Projects Never Get Built52:09 – Is Australia's Housing Crisis Misdiagnosed?55:49 – When Planning Reform Creates More UncertaintyAbout the GuestTim Sneesby is an urban economist, town planner, and planning policy expert with extensive experience across local government, strategic planning, and urban economics. Having worked in both the public and private sectors, Tim brings a unique perspective to Australia's housing debate, combining practical experience in development assessment with a deep understanding of the economic forces shaping cities and housing markets.Currently serving as Manager of Town Planning at a Sydney council, Tim also teaches urban economics at the University of New South Wales and the University of Sydney. Recognised as a former Australian Young Planner of the Year, he is widely respected for challenging conventional thinking around housing affordability, planning reform, and urban policy through evidence-based analysis and practical insight.Passionate about creating better cities and better housing outcomes, Tim advocates for strategic planning that balances housing supply, infrastructure, affordability, and long-term community outcomes rather than relying on simplified policy solutions.Connect with TimE-mail | Tim SneesbyResourcesVisit our website: https://www.theelephantintheroom.com.auIf you have any questions or would like to be featured on our show, contact us at:The Elephant in the Room Property Podcast - questions@theelephantintheroom.com.auLooking for a Sydney Buyers Agent? https://www.gooddeeds.com.auWork with Veronica: https://www.veronicamorgan.com.auLooking for a Mortgage Broker? alcove.com.auWork with Chris: chrisbates@alcove.com.auEnjoyed the podcast? Don't miss out on what's yet to come! Hit that subscription button, spread the word, and join us for more insightful discussions in real estate. Your journey starts now!Subscribe on YouTube: https://www.youtube.com/@theelephantintheroom-podcastSubscribe on Apple Podcasts: https://podcasts.apple.com/ph/podcast/the-elephant-in-the-room-property-podcast/id1384822719Subscribe on Spotify: https://open.spotify.com/show/3r0nnJrLUu3t1GpO7X3j6EIf you enjoyed today's podcast, don't forget to subscribe, rate, and share the show! There's more to come, so we hope to have you along with us on this journey!See you on the inside,Veronica & Chris

A lot of mortgage brokers say they are overwhelmed. Sometimes that is true. But a lot of the time, they are not overwhelmed because they have too much to do. They are overwhelmed because they are working reactively instead of intentionally. In this episode, I break down a simple framework I use to look at someone's calendar and figure out what is actually going on. We talk about the ideal work week, the four types of blocks every broker should have in their schedule, and why being busy is not the same as being productive. If you feel like your week keeps running away from you, this episode will help you fix that. In this episode, I cover: The Ideal Work Week - Why designing your full week in advance is one of the best ways to reduce overwhelm and take back control. The Four P's - The four types of time blocks every broker needs in their calendar: prospecting, production, people, and paperwork. Why Busy Is Not the Same as Productive - A lot of brokers are full all day, but they are still operating reactively instead of doing the right things on purpose. Why Prospecting and Production Should Happen Early - The most important work usually needs to happen before the day starts pulling you in ten different directions. Move It, Don't Delete It - If a block does not happen today, it gets moved. It does not disappear. If it is not in your calendar, there is a good chance it is not actually a priority. The brokers who grow are not just the busiest. They are the ones who decide in advance what matters and then protect time for it. Follow me on Instagram: www.instagram.com/scottpeckford/ I Love Mortgage Brokering: www.ilovemortgagebrokering.com Find out more about BRX Mortgage: www.whybrx.com Subscribe to my email list, Peckford's Playbook: https://ilmb.activehosted.com/f/20 Join the Mortgage Mindset Daily (On a break this July): https://ilovemortgagebrokering.mykajabi.com/offers/VLZAr6vK/checkout Gamify your prospecting with the 10@10 App: https://brx10at10.com/join I Love Mortgage Brokering is in partnership with Ownwell. To see how top brokers are keeping clients engaged and generating leads from their database, visit ownwell.ca/scott.

You're about to invest hundreds of thousands of dollars into building or renovating your home—but how much do you really know about the builder you're hiring?While most Australians compare quotes, browse reviews, and check licences, few dig deeper into the warning signs that could reveal financial instability, recurring disputes, or other hidden risks before signing a contract.In this episode, we sit down with Angus Luffman, founder of Trust Signal and one of Australia's pioneers in credit reporting, to explore why builder due diligence has become more important than ever. Angus explains how information already sitting in tribunal records, company histories, insolvency data, licensing registers, and insurance eligibility can paint a much clearer picture of a builder's track record—if you know where to look.Together, we unpack why builder collapses are rarely as sudden as they appear, the red flags homeowners and investors often overlook, and why construction remains one of Australia's highest-risk industries. We also discuss the emotional side of building, why consumers tend to skip proper due diligence, and the practical questions everyone should ask before committing to one of the biggest financial decisions of their lives.Whether you're building your dream home, renovating, or investing in your next property project, this conversation will help you approach the process with greater confidence, ask better questions, and avoid costly mistakes before construction even begins.Episode Highlights02:03 – Why Builder Due Diligence Matters More Than Ever05:37 – What Tribunal Records Can Reveal About a Builder07:21 – Can You Predict a Builder Collapse?09:27 – Phoenixing: The Warning Signs to Watch For19:41 – Could Banks Help Prevent Builder Collapses?21:27 – Renovating? The Insurance Mistakes to Avoid24:42 – The Builder Red Flags Most People Miss25:28 – The Insurance and Supplier Checks That Matter28:35 – How to Read a Builder Due Diligence Report33:11 – Why You Should Check Your Own Credit File34:38 – Should Banks Check Builder Risk Too?39:50 – Why the Cheapest Builder Can Cost You More42:02 – Can More Regulation Fix the Building Industry?45:34 – Builder Due Diligence in Plain EnglishAbout the GuestAngus Luffman is the Founder and CEO of Trust Signal, a technology company helping Australians make more informed decisions before hiring a builder. With a career spanning more than two decades in data, credit reporting, and risk intelligence, Angus played a pivotal role in introducing Australia's first consumer credit score and has long been at the forefront of improving transparency through data.Today, Angus applies that expertise to the construction industry, bringing together information from builder licences, tribunal records, insolvency histories, insurance eligibility, and company data to help homeowners, investors, and industry professionals better understand builder risk before signing a contract. His mission is simple: empower consumers with the information they need to ask better questions, reduce uncertainty, and make smarter building decisions.Connect with AngusLinkedIn | Angus LuffmanLinkedIn | Trust Signal BuilderWebsite | TrustSignalResourcesVisit our website: https://www.theelephantintheroom.com.auIf you have any questions or would like to be featured on our show, contact us at:The Elephant in the Room Property Podcast - questions@theelephantintheroom.com.auLooking for a Sydney Buyers Agent? https://www.gooddeeds.com.auWork with Veronica: https://www.veronicamorgan.com.auLooking for a Mortgage Broker? alcove.com.auWork with Chris: chrisbates@alcove.com.auEnjoyed the podcast? Don't miss out on what's yet to come! Hit that subscription button, spread the word, and join us for more insightful discussions in real estate. Your journey starts now!Subscribe on YouTube: https://www.youtube.com/@theelephantintheroom-podcastSubscribe on Apple Podcasts: https://podcasts.apple.com/ph/podcast/the-elephant-in-the-room-property-podcast/id1384822719Subscribe on Spotify: https://open.spotify.com/show/3r0nnJrLUu3t1GpO7X3j6EIf you enjoyed today's podcast, don't forget to subscribe, rate, and share the show! There's more to come, so we hope to have you along with us on this journey!See you on the inside,Veronica & Chris

In this episode, I pull back the curtain a little on what really goes on behind the scenes in private lending and conference building. This is a shorter just catching up episode as we prepare for the second half of 2026!  I also talk about a recent novation deal step by step how it came together, the strategy behind the structure, the conversations that mattered, and the key moments that made it work. This isn't theory. We will go into depth on the next couple episodes so stay tuned!If you're in lending, investing, or raising capital, you need to be at the American Lending Conference, Oct. 9-10 in Las Vegas! https://www.americanlendingconference.com/ 

Discovery Call Episode https://youtu.be/O476376SfpQ?si=ghPVJqftaVwd9MrA→ Work with Me: https://work.ashborland.com/  My one-to-one coaching for established brokers. No courses, no group programmes. Just the two of us fixing the structure underneath your business.→ Follow me on IG: https://www.instagram.com/ashborland/  Daily content for brokers, and the fastest way to reach me. My DMs are open and I answer them myself.→ The Mortgage Business Mastery Show: https://www.youtube.com/@ashborland  My weekly show for brokers. A new episode every Monday, around fifteen minutes, one idea worth your week.→ The FREE 14 Day Mortgage Business Boost: https://ashborland.com/boost  One small task in your inbox every day for fourteen days. Do them and your business is in better shape by the end. Costs nothing.→ The Broker Book Club: https://ashborland.com/book-club  One book a month, chosen so you read less and apply more. The thinking behind a stronger business, without the wading through.

What happens when loan officers step away from their desks and spend a day sharpening their craft?In this episode, Ace sits down with members of the Takers Brokerage team who traveled to the office for hands-on training. The conversation covers relationship-building, lead management, emotional intelligence, client communication, and the daily habits that help mortgage professionals grow their business.You'll hear firsthand insights from team members about the value of in-person coaching, structured systems, and learning how to create meaningful client experiences that lead to stronger relationships and more opportunities.Whether you're a mortgage broker, loan officer, or sales professional looking to elevate your skills, this conversation offers practical takeaways you can apply immediately.Support the show⚡READY TO BUILD A REAL CAREER IN SALES, MORTGAGES, OR LEADERSHIP?Apply here and choose your track. Already happy with your career? Grab the standalone products and trainings anytime inside the shop.

Thinking about becoming a mortgage broker but don't know where to start?In this video, Ace sits down with Michael Wnek to discuss his journey from having little mortgage industry experience to building momentum in his career through training, accountability, follow-up systems, and daily rituals.You'll learn:• What it's really like starting as a new mortgage broker• The importance of consistency and follow-up• How training translates into real-world success• The mindset required to succeed in the mortgage industry• Why culture and accountability matterIf you're looking for mortgage broker training, loan officer coaching, or guidance on building a successful mortgage career, this conversation offers valuable insights from someone currently living the process.Interested in becoming a loan officer? The Mortgage Track is the training program that helped Mike get started. Learn more at acezacademy.comSupport the show⚡READY TO BUILD A REAL CAREER IN SALES, MORTGAGES, OR LEADERSHIP?Apply here and choose your track. Already happy with your career? Grab the standalone products and trainings anytime inside the shop.

Listen and subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, www.moneymakingconversations.com/subscribe/ or wherever you listen to podcasts. New Money Making Conversations episodes drop daily. I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur. Keep winning! Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Latrease Price-Gistard. Purpose of the Interview The interview aims to educate listeners on the mortgage industry, highlight the role and benefits of working with an independent mortgage broker, and provide practical advice on home financing options, credit challenges, and programs that support homeownership. It also shares Latrease’s entrepreneurial journey and lessons learned. Key Takeaways Background and Career Path Latrease has a finance degree and started in investment operations in 1999. Transitioned from auto financing and co-owning a car dealership to mortgage lending. Became an independent mortgage broker in 2022 after being laid off during rising interest rates. Role of an Independent Mortgage Broker Holds her own license and partners with multiple lenders to offer tailored loan products. Advocates for borrowers to ensure they get the right product, not just approval. Specializes in helping first-time buyers, self-employed individuals, and those with unique challenges. Home Financing Insights Reverse Mortgages: Typically for seniors 62+, often used by those 75+ with equity and limited retirement funds. Provides tax-free cash without monthly payments; debt settled upon sale or refinance. Zero Down Payment Programs: Offers up to 3% for down payment, attached to the mortgage; other programs provide up to 5% for down payment and closing costs. FHA 203K Program: Allows buyers to finance home purchase and renovations in one loan—ideal for fixer-uppers. Credit Challenges Programs exist for credit scores as low as 500, but require higher down payments (10–20%) and result in higher interest rates. Latrease consults and provides “what-if” scenarios to help clients improve credit over time. Entrepreneurial Lessons Mistakes: Starting without enough capital and a strong pipeline; economic timing matters. Advice: Build capital, secure a solid client pipeline, and understand market conditions before going independent. Notable Quotes On independence:“As a broker, you serve as that advocate for your borrower to make sure they’re getting the right loan product.” On reverse mortgages:“The beauty of it is there are no monthly payments going back to the institution. The debt is paid off when the home is sold or refinanced.” On credit challenges:“Programs go as low as 500 credit score, but those borrowers need 10–20% down.” On entrepreneurial advice:“Make sure you have strong capital and a solid pipeline before stepping out on faith.” On perseverance:“It’s all about follow-through. It’s all about your dream and whether you want to make it happen.” #SHMS #STRAW #BESTSteve Harvey Morning Show Online: http://www.steveharveyfm.com/See omnystudio.com/listener for privacy information.