Podcasts about mortgage brokers

Australia's housing crisis is usually framed as a simple supply problem: build more homes, increase density, and affordability will improve. But what if we've been asking the wrong question all along?In this episode, Ross Elliott joins Veronica and Chris to challenge some of the biggest assumptions underpinning Australian housing policy. From the belief that everyone works in a CBD to the idea that high-density housing is automatically cheaper, Ross argues that many of the planning principles guiding our cities are decades out of date.Instead of focusing solely on housing supply, he believes we should be asking whether we're creating places where people can actually live, work, and thrive.Together, they explore why Australia's population growth continues to concentrate in a handful of capital cities, why regional centres have been overlooked, and how decades of planning decisions have contributed to today's affordability challenges. They also unpack the unintended consequences of density-led housing strategies, infrastructure bottlenecks, planning delays, and whether recent government policies will actually increase housing supply or simply drive costs even higher.This conversation goes beyond property and politics to tackle a bigger question: what should Australian cities look like in the future? Whether you're a homeowner, investor, policymaker, or simply concerned about housing affordability, this episode offers a fresh perspective on one of the country's most important challenges.Episode Highlights02:07 – The Biggest Myth in Australian City Planning09:52 – Why Australia Needs More Than Capital Cities15:19 – The Problem With Building Up Instead of Out17:45 – Homes First, Infrastructure Later?19:28 – What Australia's Best Communities Have in Common22:44 – Are Investors Really to Blame?27:09 – The Planning Bottleneck Nobody Talks About34:11 – Running Out of Land? Not So Fast43:16 – Brisbane's Growth Challenge Is Just Beginning47:29 – The Hidden Cost of Apartment Living49:48 – How Dumbo Became One of New York's Best Precincts51:14 – What Great Cities Can Teach Australia55:13 – Why the Best Cities Happen by AccidentAbout the GuestRoss Elliott is one of Australia's leading voices on urban development, housing policy, and city planning. With almost four decades of experience spanning research, construction, development, infrastructure, and public policy, he has worked at the intersection of the industries that shape how Australian communities are built and governed.Ross is widely recognised for his contributions to urban policy and place-making, including his role as Chair of Brisbane's Better Suburbs Initiative, where he has helped drive discussions around suburban renewal, community development, and long-term city planning. Throughout his career, he has advised industry and government stakeholders on housing, infrastructure, population growth, and economic development.His work focuses on understanding how cities evolve and what is required to create communities that are not only affordable but functional, connected, and resilient. Ross brings a rare systems-level perspective to the housing conversation, examining the relationship between planning, infrastructure, jobs, demographics, and housing outcomes.Connect with RossLinkedIn | Ross ElliottLinkedIn | Brisbane City CouncilWebsite | Brisbane City CouncilResourcesVisit 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 is in the middle of the largest mortgage renewal wave in a generation, and right now millions of homeowners are deciding whether to stay with their current lender or make a move — and most of them don't know the one detail that determines whether switching lenders costs a few hundred dollars or several thousand. In this episode, I break down exactly what happens to your mortgage when it hits its maturity date, why a few days past maturity on the right product is almost free, and why some lenders handle this very differently than you'd expect. If your renewal is coming up in the next 12 months, this is the article to read before you sign 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.

Guest Host Rob Fai, spoke with Ron Butler, Mortgage Broker, Butler Mortgage about mortgage rates are dropping. Here's why! Learn more about your ad choices. Visit megaphone.fm/adchoices

WATCH ▶️ ⁠Watch this episode on YouTube⁠ ***   EPISODE DESCRIPTION In this episode, I'm joined by Jennine Yool.   Jennine is a mortgage agent on Team Wiley from Burlington, Ontario, who's helped over 2,000 clients over her near 2 decades in the industry, totalling $800M+ in funded volume.   In a market where most broker's business is declining, and maintain past volume is a win, Jennine is growing. She's funded 53 deals in the first four months of this year, putting her on track for a total of $70-$80 million in 2026. What exactly is she doing to be trending up when most others are trending down?   Strategically, a lot of it comes down to building a boring mortgage while avoiding the traps of shiny objects. Jennine does the basics, like preserving her pipeline with proactive, fully underwritten rate holds, developing her skills on underserved clients like stated income files, and putting time and money into expanding her social media presence and building a brand. While she does outsource her social media to professionals, everything else runs with only one full time assistant, allowing her to focus on the high-value activities like creating long-term client relationships and complex deal structuring.   Even though Jennine has been very successful, the mortgage industry can be extremely difficult. There have been times she considered quitting entirely, but found her ultimate motivator in not wanting to let down her 4 kids. Jennine still battles imposter syndrome, but her 2026 mantra of "choose your heart" and getting to help her clients inspires her every day to just keep going.   Jennine is here to discuss:   → How her team is structured, what they do in the business, and where speed is slipping with clients as they've gotten busy.   → The breakdown of where all of her files come from, why she asks every client where they've came from, and if she will eventually go into a niche.   → If she is losing more deals and renewals this year compared to years past, and how she uses rate holds for pipeline preservation.   → Tips for dealing with stated income files and why you should be collecting as much data as possible from your clients.   → The right and wrong ways to manage client expectations and stress which can only be learned through experience.   → Why she decided to focus on growing her social media at the end of 2025, why she hired an agency to help her, and the benefits she has been seeing in the first 8 months with this framework.   → Overcoming daily mindset challenges by using her 2026 motto, "choose your heart", finding her ultimate motivator, and the constant battle with imposter syndrome. ***  

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 that a smaller bankruptcy is easier to overcome when applying for a mortgage — but the opposite is often true, and the reason why reveals a lot about how lenders think. Most major lenders won't even consider a mortgage application from someone with a past bankruptcy unless the amount exceeded $50,000, and understanding the logic behind that rule is something every borrower with past credit challenges needs to know. This episode breaks down exactly why this threshold exists, what other conditions apply, and what your options are if your bankruptcy falls below 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.

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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.

What happens when a property's agreed purchase price and the bank's valuation are tens of thousands of dollars apart? More importantly, who is right? In this episode, Certified Practising Valuer and Registered Tax Agent Belinda Botzolis joins us to unpack one of the most misunderstood areas of property investing: valuation.Drawing on more than 20 years of experience and over 15,000 property valuations, Belinda explains how bank valuations actually work, why they often differ from market expectations, and why valuers are increasingly under pressure to deliver reports faster and cheaper. We explore the rise of desktop valuations, the legal responsibilities valuers carry, and why many buyers misunderstand what a valuation is truly designed to measure.We also examine the risks facing off-the-plan buyers, how developers can create misleading perceptions of value, and why some investors discover at settlement that their property is worth significantly less than they paid. Belinda shares practical insights into challenging valuations, avoiding common property mistakes, and understanding where valuation and tax decisions intersect.Along the way, we discuss land tax assessments, capital gains tax considerations, proposed tax changes, and one surprisingly common mistake that can destroy a property's value: paying for bedrooms that don't legally exist. If you've ever wondered how property value is determined—or whether you're paying too much—this episode is essential listening.Episode Highlights01:36 - What Property Valuations Really Measure09:56 - Why Valuers Seem Conservative16:33 - Who Does the Valuer Actually Work For?20:17 - The Off-The-Plan Valuation Trap29:43 - Developer Pricing Tricks and Valuation Gaps32:40 - The Coming CGT Valuation Rush41:23 - Land Tax, Fake Bedrooms and Other Valuation MistakesAbout the GuestBelinda Botzolis is a Certified Practising Valuer and Registered Tax Agent with more than 20 years of experience across residential, commercial, development, and specialised property assets. Throughout her career, she has personally valued more than 15,000 properties representing over $12 billion in property value.Known for her ability to simplify complex valuation and tax concepts, Belinda has built a reputation as one of Australia's leading voices on property valuation. She is also Australia's most followed property valuer across social media platforms, where she is helping bring greater transparency, education, and public understanding to an industry that often operates behind the scenes.Through her media appearances, content, keynote presentations, and community engagement, Belinda is reshaping how valuation knowledge is shared and helping everyday Australians make more informed property decisions.Connect with BelindaWebsiteLinkedInTikTokInstagramResourcesVisit 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

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Don't mistake information for advice.In this episode, James and Mike discuss whether ChatGPT can replace a mortgage broker, unpack a real-life example where AI mortgage advice conflicted with professional advice, explore the difference between information and personalised advice, and explain where AI can help and where it can get things wrong.Next steps: Need help making the right mortgage decision? Speak with the Lighthouse Mortgages team for personalised advice tailored to your goals, not generic answers from the internet.For more money tips follow us on:⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Facebook⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Instagram⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The content in this podcast is the opinion of the hosts. It should not be treated as financial advice. It is important to take into consideration your own personal situation and goals before making any financial decisions.

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 its policy rate at 2.25% this week for the fifth straight time, with Governor Macklem openly admitting that war, tariffs, and oil make 2026 anyone's guess. What most people missed is the fine print: the Bank described future hikes as "consecutive increases" while easing got a single "cut" — and central bankers choose those words deliberately. In the full episode, I break down why the bond market is pricing a hike by December, and why fixed-leaning terms now model out cheapest even if hikes don't arrive until 2028. If you're renewing or buying in the next year, this episode is definitely worth your time.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.

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.

AI is quickly becoming the go-to tool for property research—but can it actually predict where the market is heading?In this episode, Luke Metcalfe returns to put that assumption to the test, analysing thousands of suburb predictions across multiple GPT models and real market data. The result is clear: AI doesn't just struggle to forecast property growth—it often underperforms the market entirely.We unpack why this happens, from the way large language models are trained to the dangerous feedback loop of consensus-driven data. If AI is simply reflecting what's already popular, are investors just paying a premium to follow the crowd? The conversation also explores the rise of AI-generated property reports, the risks of relying on median data, and why many “data-driven” strategies may not be as objective as they seem.Beyond the critique, this episode shifts the focus to what actually drives capital growth. From owner-occupier demand and supply constraints to hyper-local, street-level dynamics, Luke shares what the data reveals when you strip away the noise. We also touch on how recent policy changes and shifting incentives could reshape investor behaviour—and why thinking like a homeowner may be more important than ever.If you've been relying on AI, hotspot lists, or broad market trends to guide your decisions, this conversation will challenge your assumptions and give you a clearer framework for investing with confidence.Episode Highlights01:27 – Meet Luke Metcalfe: Data Meets Property Reality03:35 – AI vs Reality: Why Predictions Underperform05:35 – AI Reports & Buyer Agents: Risky Shortcut?13:52 – Selling at a Loss: A Hidden Growth Signal16:18 – Humans vs AI: Who Gets Forecasting Right?22:49 – Budget Shock: How Incentives Just Changed26:52 – Supply, Scarcity & Why Tranquillity Wins29:51 – Fast Food & Growth: The Signal No One Expects31:44 – Rezoning Risks: Predicting What's Coming35:14 – Melbourne vs Sydney: A Tale of Two Markets37:23 – Investor Incentives Are Shifting Fast39:35 – Holding Property: What the Data Reveals43:09 – Rental Crunch: What's Really Driving It49:33 – Airbnb & Second Homes: Supply Squeeze52:24 – Yield vs Growth: What Actually Matters55:15 – Model Accuracy: Where Data Goes Wrong57:54 – Key Takeaways: What Investors Must KnowAbout the GuestLuke Metcalfe is the founder of Microburbs, a property analytics platform focused on uncovering the underlying drivers of capital growth at a granular level. With a background in data science and machine learning, Luke has spent years analysing Australian property markets using large-scale, longitudinal datasets that go beyond traditional metrics like median prices.His work centres on understanding property performance at the street and individual asset level, incorporating factors such as resale data, supply dynamics, and behavioural patterns. Known for challenging conventional wisdom in property investing, Luke combines technical expertise with practical insight to help investors move beyond trends, hype, and surface-level data.Through his research and platform, he continues to push for a more evidence-based approach to property decision-making—one that prioritises real outcomes over popular narratives.Connect with LukeLinkedIn - Luke MetcalfeEmail - Luke MetcalfeWebsite - MicroburbsLinkedIn - Microburbs 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

In this episode, we dive into a cost-free, highly effective strategy to boost your mortgage website's performance. We explore why adding a simple adviser photo is one of the most powerful changes you can make to increase trust and lead volume. Key Highlights: The Experiment: We break down a recent test on a mortgage broker's website that compared identical web pages—one with an adviser photo and one without. The results? The page featuring the adviser's face generated 11% more leads. The Science of Trust: Ambiguity Aversion: People feel uncomfortable discussing private financial matters with strangers. Seeing a face reduces this uncertainty and builds immediate rapport. Hard-Wired for Connection: Our brains are evolutionarily designed to assess trustworthiness through faces, making them a more powerful trigger for trust than logos alone. Eye-Tracking: Studies show that when a user lands on a page, their eyes are naturally drawn to human faces immediately. Authenticity Wins: We discuss why generic stock photos are easily identified by users as "filler" and ignored. Real, authentic photos of your team members are essential for improving credibility. Practical Implementation: Every Page Counts: Don't relegate your team to just the "About Us" page. Every page is a potential meeting point with a client. Equipment Doesn't Matter: You don't need a high-end photoshoot to start. A simple, well-lit photo taken on an iPhone is significantly better than no photo at all. Avoid the Fake: A genuine iPhone photo will always outperform an AI-generated image that looks "too perfect" or fake, as visitors are naturally wired to spot authenticity. The Bottom Line: While showing your face is a major conversion booster, remember it works best as part of a solid foundation that includes persuasive copy, 5-star reviews, and a clear call to action.   Brought to you by the team at The Lead Engine who specialise in generating mortgage leads.

Contact Marko Gelo, he's a Mortgage Broker!604-800-9593 cell/text Vancouver403-606-3751 cell/text CalgaryCall Marko via WhatsApphomefinancingsolutions.caMost borrowers don't realize that certain types of non-taxable income — like disability payments, workers' compensation, or self-employed write-offs — can be increased by up to 35% when calculating what you qualify for on a mortgage. This one adjustment can add $50,000 or more in borrowing power to a file, yet it gets overlooked all the time. In my latest blog, I break down exactly which income sources qualify for a gross-up, how the math works, and what the real-world dollar impact looks like. If you or someone you know is self-employed or receiving non-taxable income, this episode is worth a listen.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.

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Contact Marko Gelo, he's a Mortgage Broker!604-800-9593 cell/text Vancouver403-606-3751 cell/text CalgaryCall Marko via WhatsApphomefinancingsolutions.caCLICK 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.

WATCH ▶️ ⁠Watch this episode on YouTube⁠ ***   EPISODE DESCRIPTION In this episode, I'm joined by Scott Sarai.   Scott is a Mortgage Broker at SGS Mortgages from Maple Ridge, BC, who's a part of Team Wiley at Tango while also still being a full-time firefighter.   After spending time as a broker, Scott started a fulfillment business working for other brokers, which ended up eroding his passion for mortgages. With plans to exit the industry entirely, a game-changing conversation with Ryan led to giving his business 6 more months of life. Now with a renewed mindset, mentorship, and an innovative approach, Scott's revenue jumped from $25,000 in 2024, to over $350,000 in 2025, while also revitalizing his passion for brokering and positioning himself for success in the future.   What makes Scott's story genuinely compelling is how deeply human it feels. He battled imposter syndrome, rebuilt his Instagram from scratch after Meta restricted his original account, and learned to delegate so he could focus exclusively on high-value work instead of low-level tasks. He tracked over 86,000 outreach interactions and logged 48,714 checkmarks in a daily Google Sheet, because consistent tracked activity directly correlates to revenue.   Done is better than perfect runs through everything Scott shares here, from launching email campaigns quickly to batch-recording fifteen to thirty-five reels in under two hours monthly. His story is a reminder that sustainable success is built, not stumbled into.   Scott is here to discuss:   → How he 13x his revenue from $25,000 in 2024, to over $346,000 in 2025, by having over 85,000 touch points with clients.   → The 4 things that make him a successful broker - speed, execution, who not how, and being a student of the game.   → What a broker should do in the next 30 days to be successful.   → His daily social media outreach strategy, why he started a YouTube channel, and why he created a new Instagram account.   → Investing in coaching, outsourcing early, and how action beats perfection.   → Overcoming jealousy in the industry and if he finally feels like he belongs.   → Why it's ok to be bored in your business and his vision for the next 2 years. ***   Scott's 1st Appearance on The Mortgage Game in Episode 271: https://www.iamryanwiley.com/271-how-he-10xd-his-business-the-27m-to-40m-broker/ ***  

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Contact Marko Gelo, he's a Mortgage Broker!604-800-9593 cell/text Vancouver403-606-3751 cell/text CalgaryCall Marko via WhatsApphomefinancingsolutions.caCLICK HERE to be redirected to Mortgagenomics Canada Podcast YouTube ChannelCLICK HERE to be redirected to the blog version of this episode.CLICK 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.caCLICK HERE to be redirected to Mortgagenomics Canada Podcast YouTube ChannelCLICK HERE to be redirected to the blog version of this episode.CLICK HERE to download Marko's award-winning Mobile Mortgage App! Hosted on Acast. See acast.com/privacy for more information.

Within 72 hours of the federal budget announcement, the property narrative flipped. Buyer's agents who once championed established homes began pushing new builds.SMSF strategies resurfaced. High-yield “manufactured” deals came back into focus. The question is—did the fundamentals change… or just the incentives?In this episode, we break down what's really driving this sudden shift in property advice. From the two-speed market created by negative gearing changes to the re-emergence of developer-led stock, we unpack how quickly “strategy” can become sales when business models are under pressure. More importantly, we challenge whether investors are being guided toward better outcomes—or simply redirected toward whatever still pays.We also dig into the hidden risks behind today's most heavily marketed plays: new builds with impaired resale markets, SMSF property strategies being pushed without proper advice, and high-yield assets that sacrifice long-term growth for short-term numbers. These aren't new ideas—they're recycled playbooks dressed up for a new policy environment.If you're feeling the pressure to act post-budget, this episode is your reset. Because when incentives change, behaviour follows—but that doesn't mean you should. The smartest move right now? Understand what's really driving the advice before you follow it.Episode Highlights02:05 – The Two-Speed Market Explained04:04 – When Buyer's Agents Follow the Money09:29 – The Resale Trap No One's Talking About12:16 – Does Negative Gearing Actually Work?18:44 – The Rise of Dangerous Tax Advice Online21:37 – The Hidden Risk of One-Stop Property Shops23:18 – SMSF Property: Lessons from Past Disasters24:45 – The Mortgage Prisoner Risk Explained27:42 – The Comeback of “Manufactured Yield”31:50 – When Investor Demand Becomes a Trap34:16 – The Push Into Commercial & Regional Plays36:50 – Who Really Wins This “Fairness” Budget?41:35 – First Home Buyer Schemes: Hidden Downsides44:25 – The Upgrade Loophole Most Buyers Miss46:13 – What Smart Investors Do NextAbout the HostVeronica Morgan is one of Australia's most respected property experts, with decades of experience across property investment, buyer advocacy, and market analysis. As co-host of The Elephant in the Room and co-founder of Homebuyer Academy, she's known for cutting through industry hype with clear, evidence-based insights. Veronica specialises in helping buyers understand long-term capital growth, asset selection, and risk in an increasingly complex market.Chris Bates is the founder and CEO of Alcove, an award-winning mortgage broking and property advisory firm. With deep expertise in lending strategy, borrowing capacity, and cash flow management, he helps Australians make smarter property and finance decisions. Chris is known for his analytical approach and his willingness to challenge conventional, hype-driven narratives.Together, Veronica and Chris combine property expertise with real-world lending insight—breaking down what's happening in the market, why it matters, and how to respond with clarity and confidence.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.caCLICK HERE to be redirected to Mortgagenomics Canada Podcast YouTube ChannelCLICK HERE to be redirected to the blog version of this episode.CLICK HERE to download Marko's award-winning Mobile Mortgage App! Hosted on Acast. See acast.com/privacy for more information.

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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.

Australia's housing crisis is no longer just affecting low-income households — as rents rise faster than wages and affordability declines, more middle-income earners and essential workers are being pushed into housing stress. In this episode, we sit down with Maiy Azize from Anglicare Australia and Everybody's Home to unpack why this shift is happening and what it reveals about the structure of Australia's housing system.We challenge some of the biggest assumptions shaping today's housing debate — from whether supply alone can solve affordability, to the role of property investors, and how tax settings like negative gearing and capital gains tax may be influencing the market. The conversation explores how investor behaviour has evolved, why rental pressure has intensified, and whether Australia has become too reliant on private investors to deliver housing outcomes.We also explore the unintended consequences of investor-driven markets, the rise of borderless investing into regional towns, the growing divide between homeowners and renters, and why more Australians are feeling locked out of stable housing—even when they're earning decent incomes. Along the way, the conversation tackles negative gearing, capital gains tax, public housing, Airbnb, rental affordability, and the growing pressure facing communities across both capital cities and regional Australia.This is not a simple “investors vs renters” conversation. It's a nuanced debate about what happens when housing becomes both a human need and a financial asset—and whether Australia can realistically fix affordability without rethinking the role of government, investors, and the private market altogether.Episode Highlights02:40 – What Rental Stress Really Means Today07:52 – How Tax Settings Reshaped Landlords09:12 – Budget Night: What Tax Changes Really Mean15:53 – Credit Cycles Driving the Property Market26:09 – Buyer's Agents and the Investor Boom34:05 – More Homes, But Less Fair Housing Outcomes40:00 – Zoning, Incentives, and Developer Reality45:22 – Why Selling Public Housing Made It Worse48:44 – The Banking System's Role in Housing51:38 – Budget Changes: What Happens Next?53:20 – Build-to-Rent Under the Microscope55:12 – Final Thoughts and Listener Q&ALinksWritten Off: The high cost of Australia's unfair tax system - Everybody's HomePriced Out: An Index of Affordable Rentals for Australian Voters - Everybody's HomeRENTAL AFFORDABILITY SNAPSHOT PDFAbout the GuestMaiy Azize is the Deputy Director of Anglicare Australia and the national spokesperson for Everybody's Home, a national campaign focused on housing affordability and ending Australia's housing crisis. Through her work, Maiy advocates for policies aimed at improving rental affordability, expanding public and social housing, and addressing the growing number of Australians experiencing housing stress and insecurity.She is also closely involved in research and policy analysis surrounding housing affordability, including Anglicare Australia's annual Rental Affordability Snapshot and Everybody's Home housing reports, which examine how rising rents and housing costs are affecting low-income workers, essential workers, and middle-income Australians across the country.Known for her direct and evidence-based approach, Maiy regularly contributes to national discussions around housing policy, inequality, renting, homelessness, and the long-term social impacts of Australia's housing system.Connect with MaiyLinkedIn - Maiy AzizeLinkedIn - Anglicare AustraliaWebsite - Anglicare AustraliaFacebook Page - Anglicare AustraliaResourcesVisit 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.caCLICK HERE to be redirected to Mortgagenomics Canada Podcast YouTube ChannelCLICK HERE to be redirected to the blog version of this episode.CLICK HERE to download Marko's award-winning Mobile Mortgage App! Hosted on Acast. See acast.com/privacy for more information.

What if the dream of owning your own home is actually closer than you think?In this episode, CB sits down with mortgage broker and creator of The Journey Home, Kath Rogers, for a real, honest and surprisingly emotional conversation about home ownership, financial overwhelm, self-belief and what actually changes when you stop waiting to feel “ready” and start asking questions.This is not a dry finance conversation.This is about:creating safetybacking yourselfgetting clearbuilding a life that feels stable and alignedand moving dreams into reality.Kath shares the behind-the-scenes truth about:why most people wait too long to speak to a mortgage brokerwhat lenders are actually looking forhow self-employed people can still buy homesthe biggest mistakes first home buyers makehow one couple saved $9K in five weeksand the story of a young boy who finally got to feel like a kid again after his mum secured their family home.If home ownership has ever felt impossible, overwhelming or completely out of reach… this episode is your reminder that clarity changes everything.You do not need to have it all figured out before you begin.You just need to start the conversation.Find Kath:Instagram @journey_home_with_kath + TikTok: @kath.rodgers_journeyhome

Mortgage brokers are a massively overlooked referral source for property managers. Sam Boctor, a mortgage broker of four years, says not one PM or BDM has ever contacted him to build a relationship—despite actively wanting partnerships. It's the same story with just about every other broker out there! Here's your opportunity to tap into new leads. Get the book from LeadMachineSecrets.com (just pay shipping). Book into Deniz' diary at GrowMyRentRoll.com

WATCH ▶️ ⁠Watch this episode on YouTube⁠ ***   EPISODE DESCRIPTION In this episode, I'm joined by D'Arcy Henneberry.   D'Arcy, a former mortgage broker and the current President of MortgagePal, made a major career shift in 2022 by becoming a Certified NeuroChangeSolutions (NCS) Consultant trained by famed neuroscientist Dr. Joe Dispenza. Why? The industry is facing a full-blown mental health crisis, and most people don't even realize it.   Stress has become so normalized that brokers no longer even say they're stressed. They just say they're burnt out, overwhelmed, or depressed instead. The stress is simply the baseline now, and that baseline is making people sick.   What can actually be done about it? D'Arcy introduces practical tools based on neuroscience to teach mortgage brokers to rewire their stress responses. These techniques allow brokers to better manage stress, rewire their brains, and in turn, positively change all areas of their life, including their business.   D'Arcy is here to discuss:   → How he became fascinated by human potential and change during Covid, which led to giving up his mortgage dream, to pursue this passion and becoming an NCS Consultant learning from Dr. Joe Dispenza.   → Calling for industry-wide change as stress has become the industry baseline, leading to brokers becoming not only overwhelmed and burnt out, but also making us physically sick, impacting every facet of our lives.   → The science behind the stress response and how to interrupt it, what a refractory period is, and how it can last from minutes to even years.   → The 3 steps to combat a stressful situation in 90 seconds - awareness, stop, breathe.   → Understanding your biological state and how you think, act, and feel defines who you are.   → The power of meditation and more practical advice that mortgage brokers can implement every day. ***  

Kevin Guttman is a mortgage broker who's built a career at the intersection of real estate, ministry, and social impact. In this conversation, we explore how Kevin's early exposure to business and service shaped his worldview, why real estate is one of the most powerful tools for building generational wealth, hiring field specific experts, and we dive deeper into how reverse mortgages—often misunderstood—can be life-changing when used responsibly.About the GuestKevin Guttman is a Sr. Mortgage Broker, reverse mortgage specialist, and 3x Amazon best-selling author with over 20 years of experience in home financing. As one of only 218 Certified Reverse Mortgage Professionals nationwide, he's known for his integrity, transparency, and people-first approach. With 100+ five-star reviews and an A+ BBB rating, Kevin simplifies the loan process for senior homeowners, offering expert insights and real-life stories. A lifelong learner with three master's degrees, he's also a devoted LA Lakers fan, world traveler, and passionate community volunteer.Learn more about Kevin at:Reverse Mortgage Revolution Website: https://reversemortgagerevolution.com/LinkedIn: https://www.linkedin.com/in/kevinguttman To learn more, visit:linkedin.com/in/jason-Shupp-18b4619b Listen to more episodes on Mission Matters:https://missionmatters.com/author/Jason-Shupp/

Contact Marko Gelo, he's a Mortgage Broker!604-800-9593 cell/text Vancouver403-606-3751 cell/text CalgaryCall Marko via WhatsApphomefinancingsolutions.caCLICK HERE to be redirected to Mortgagenomics Canada Podcast YouTube ChannelCLICK HERE to be redirected to the blog version of this episode.CLICK HERE to download Marko's award-winning Mobile Mortgage App! Hosted on Acast. See acast.com/privacy for more information.

The end of negative gearing for established property could become one of the biggest turning points in Australia's housing market—not just because investors may lose tax deductions, but because of the ripple effects it could create across buyer behaviour, borrowing capacity, property values, and the types of housing that get built in the future.But if these changes are designed to improve affordability, who actually benefits—and what could break in the process?In this episode, Veronica and Chris unpack the federal government's proposed changes to negative gearing and capital gains tax, exploring why the real risks may lie in the unintended consequences. From investor pullback in regional markets and apartment-heavy precincts to the growing pressure on first-home buyers and developers, they examine how markets driven by investor demand could respond if the economics of property investing fundamentally change.They also dive into what they call the “secondary market problem” —the possibility that properties built to attract tax-incentivised investors today could struggle to attract buyers once those incentives no longer apply to future owners.The conversation also explores the broader forces already weighing on the market, including inflation, interest rates, lending conditions, and weak consumer confidence. Rather than reacting emotionally to the policy changes, they challenge listeners to think more strategically about asset quality, long-term demand, and what sustainable investing could look like in a post-negative gearing environment.Episode Highlights01:57 – The Negative Gearing Changes Explained04:19 – Why Chris Says “Everything Gets Repriced”06:37 – Who Wins From the Grandfathering Rules?10:40 – The Borrowing Capacity Squeeze Ahead12:21 – Which Regional Markets Are Most at Risk?17:39 – The Mining Boom Mistakes Repeating Again21:22 – Property Changes Meet Economic Headwinds26:04 – Could Investor Sell-Offs Accelerate?28:02 – Why Negative Gearing Created Scarcity32:04 – Could Investors Need Another Bailout?33:27 – The Owner-Occupier Data Nobody Sees37:41 – Rental Demand, Bonds & Market Pressure38:56 – Will First Home Buyers Finally Benefit?41:35 – Why Australians May Need New Wealth Strategies44:22 – Which Property Segments Get Hit Hardest?46:17 – The Tax Structure Problem Few Discuss48:04 – How the Property Industry Will Pivot Next50:37 – Final Warnings for Buyers and InvestorsMentionsInvestopoly (Podcast) with Stuart Wemyss & Campbell WallaceAbout 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.caCLICK HERE to be redirected to Mortgagenomics Canada Podcast YouTube ChannelCLICK HERE to be redirected to the blog version of this episode.CLICK HERE to download Marko's award-winning Mobile Mortgage App! Hosted on Acast. See acast.com/privacy for more information.

Melbourne is back in the spotlight, with many buyers and investors asking whether the city now offers one of the best opportunities in the country. But broad market narratives can be misleading—especially in a city where different segments are moving for very different reasons.In this episode, Jarrod McCabe joins us to unpack what's really happening across Melbourne in 2026. From first home buyers re-entering the market to local investors stepping back and interstate buyers stepping in, the city is being shaped by multiple forces moving in different directions.We explore why Melbourne is no longer a market that can be understood through broad averages alone. Jarrod explains the growing importance of asset selection, why some properties may outperform while others stagnate, and how taxes, policy changes, apartment oversupply, and shifting buyer behaviour are reshaping the investment landscape.If you're considering Melbourne property, this episode offers a grounded look at where the risks are, where the opportunities may lie, and why buying based on simple narratives could be an expensive mistake.Episode Highlights02:43 — Costly Melbourne Mistakes Interstate Buyers are Making05:36 — Why Melbourne Moves in Different Price Quartiles08:52 — Outer Suburbs Face Major Supply Risks10:20 — Developer Hotspots, Strata and Hidden Risks13:16 — What Properties Still Outperform in Melbourne17:37 — Is There Real Pent-Up Demand in Melbourne?19:45 — Confidence, Rate Cuts and Buyer Hesitation22:06 — Taxes, Investor Sentiment and Market Exits25:25 — Rental Rules and Unintended Consequences28:47 — Are First Home Buyers Getting Stitched Up?33:45 — Infrastructure Booms and Buyer Beware Zones35:48 — Melbourne Livability vs Victoria's Debt Problem37:43 — Geelong Hype vs Property Price Reality40:42 — Regional Markets and Investor Herding Risks47:30 — Timing the Bottom: Psychology vs Reality50:51 — Upgrade Opportunities vs Job Uncertainty53:48 — Final Thoughts and Listener QuestionsAbout the GuestJarrod McCabe is Director of Wakelin Property Advisory, one of Melbourne's most respected independent buyer advocacy firms.With more than two decades of experience in Melbourne's inner and middle-ring markets, Jarrod has helped clients navigate multiple market cycles through a disciplined, research-driven approach focused on long-term asset selection.Known for combining valuation expertise with on-the-ground buyer insights, Jarrod brings a practical view of Melbourne property—cutting through hype to focus on what actually drives performance.Connect with JarrodWebsite | Wakelin Property AdvisoryLinkedIn | Wakelin Property AdvisoryFacebook Page | Wakelin Property Advisory LinkedIn | Jarrod McCabe - Wakelin Property Advisory 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

Contact Marko Gelo, he's a Mortgage Broker!604-800-9593 cell/text Vancouver403-606-3751 cell/text CalgaryCall Marko via WhatsApphomefinancingsolutions.caCLICK HERE to be redirected to Mortgagenomics Canada Podcast YouTube ChannelCLICK HERE to be redirected to the blog version of this episode.CLICK HERE to download Marko's award-winning Mobile Mortgage App! Hosted on Acast. See acast.com/privacy for more information.

Australia's housing challenges are often reduced to a question of supply, but the reality is far more complex. In this episode, we step back to examine the broader forces reshaping housing demand—from rapid population growth and an ageing society to changing household structures. The result is not just a shortage of homes, but a system struggling to keep pace with how Australians live today.We unpack the key forces driving this shift, from record migration levels and declining birth rates to the rise of multi-generational living and internal migration across states. These aren't short-term trends—they're structural changes that are already influencing where people live, how they live, and who gets access to housing. Along the way, we also explore the growing divide between those who benefit from family support and those who don't, and how that's quietly accelerating inequality.The conversation also touches on the pressure facing key workers, the limits of current housing policies, and why simply building more homes may not be enough to solve the problem. There's also a broader discussion around education trends, workforce changes, and how technology—particularly AI—is adding another layer of disruption to an already complex system.This episode isn't about quick fixes. It's about understanding the underlying drivers so you can make better, more informed decisions in a rapidly changing environment. Because if you're still looking at housing through a narrow lens, you're likely missing what's actually shaping the market.Episode Highlights02:44 — Australia's Record Population Growth Explained03:47 — The Pressure of an Ageing Population at Home06:35 — Why Australians Are Moving More Than Ever07:58 — Hybrid Work and the Key Worker Housing Gap12:46 — Why Private School Enrolments Keep Rising16:14 — Fewer People Per Home, More Housing Needed18:41 — The Aussie Dream Is Changing Fast20:30 — The Rise of “Giving While Living” Wealth24:30 — The Growing Divide Between Generations26:07 — Retirement Risks Without Financial Buffers26:44 — Why Australians Are Working Longer27:25 — Census Night: What It Reveals About Australia30:42 — What the Census Gets Right (and What It Misses)32:40 — AI Hype vs Reality: Why Sentiment Is Shifting34:54 — The Skills That Will Matter in an AI World37:36 — Living in an Era of Constant Disruption42:04 — Misinformation, Trust, and Modern Democracy44:34 — A More Fragmented Australia Emerges47:01 — What It All Means for PropertyAbout the GuestMark McCrindle is a leading Australian social researcher and demographer, and the founder of McCrindle Research. He specialises in analysing population trends, generational shifts, and the social forces shaping modern Australia.With decades of experience working across government, corporate, and media sectors, Mark is known for translating complex data into clear, actionable insights. His work draws on census data, longitudinal research, and behavioural analysis to help organisations and individuals understand how demographic change impacts everything from housing and education to workforce trends.In this episode, Mark brings a macro lens to the housing conversation—connecting the dots between population growth, aging, migration, and the structural challenges facing Australia today.Connect with MarkLinkedIn - Mark McCrindleWebsite - McCrindle ResearchInstagram - Mark McCrindleResourcesVisit 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.caCLICK HERE to be redirected to Mortgagenomics Canada Podcast YouTube ChannelCLICK HERE to be redirected to the blog version of this episode.CLICK HERE to download Marko's award-winning Mobile Mortgage App! Hosted on Acast. See acast.com/privacy for more information.

When you hire a property advisor, there's an assumption built into that decision: you're getting expertise, guidance, and some level of protection if things go wrong. But how much of that protection actually exists—and where does it break down?In this episode, we unpack the role of Professional Indemnity (PI) insurance in property advice, and what it really tells you about accountability, risk, and the quality of advice you're relying on.Joining us is Polina Kesov, an insurance specialist with over two decades of experience working behind the scenes on claims, risk, and policy structures. Together, we explore the blurred line between “execution” and “advice,” why many buyer's agents and property investment advisors may not be properly covered for the services they're offering, and how something as simple as a policy exclusion can leave both advisors and clients exposed.We also dive into why claims in property advice are so rare—not because everything is working, but because proving loss is complex, delayed, and often not actionable. From cookie-cutter strategies and disclaimers to the growing use of AI in advice, this episode breaks down the structural gaps that most investors never see until it's too late.If you're relying on professional guidance to make high-stakes property decisions, this conversation will change how you assess risk. Because in property, it's not just about whether the investment performs—it's about what happens if the advice behind it doesn't.Episode Highlights04:17 — Can Property Advisors Actually Get Covered?06:01 — What Makes a Property Advice Claim Valid?09:25 — Repeat Offenders and the Lack of Transparency11:42 — Marketing Hype vs Where Advice Crosses the Line16:10 — How Claims Impact Insurance Renewals21:01 — Real Claims Against Buyer's Agents Explained24:55 — Why Insurers Act as Hidden Risk Partners27:52 — How to Choose the Right PI Insurance Cover29:58 — What a Certificate of Currency Really Tells You31:44 — Why You Must Verify Advice Scope in Writing33:40 — Multiple Claims: A Major Red Flag35:45 — Licensing Gaps and Disclosure Obligations37:57 — AI Advice: Who's Liable When It Goes Wrong?39:38 — What Questions Should You Ask an Advisor?41:14 — Why Property Advice Claims Stay So Low47:47 — SMSFs and Trusts: Where Advice Gets Risky50:14 — Vicarious Liability: How Risk Spreads Fast53:22 — Key Takeaways Every Investor Should KnowAbout the GuestPolina Kesov is an insurance advisor with over 20 years of experience working alongside Australian businesses on risk, claims, and insurance coverage. Specialising in professional indemnity, she has a deep understanding of how advisors are assessed, insured, and held accountable when things go wrong.Throughout her career, Polina has worked closely with professionals across the property, finance, and advisory sectors, giving her a unique, behind-the-scenes perspective on how claims are evaluated and where systems succeed—or fail. Her expertise extends beyond policy setup into real-world outcomes, including how insurers interpret liability, manage disputes, and determine whether a claim is paid.Known for her practical, no-nonsense approach, Polina is passionate about improving awareness around risk and helping both professionals and consumers understand the fine print that often gets overlooked. Her insights offer a rare look into the mechanics of protection in the property industry—where assumptions don't always match reality.Connect with PolinaLinkedIn - Polina KesovLinkedIn - Insurance Insights AustraliaWebsite - Insurance Insights AustraliaInstagram - Polina KesovResourcesVisit 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.caCLICK HERE to be redirected to Mortgagenomics Canada Podcast YouTube ChannelCLICK HERE to be redirected to the blog version of this episode.CLICK HERE to download Marko's award-winning Mobile Mortgage App! Hosted on Acast. See acast.com/privacy for more information.

In this episode, Dustin Owen takes a deep dive into how mortgage loan originators can strategically build a million dollar career by embracing discipline, consistency, and adopting a true business owner mindset. He begins by outlining the foundational principles that separate top producers from the rest, emphasizing the need for unwavering commitment to daily routines and a relentless pursuit of excellence. Dustin shares actionable strategies, such as developing deep, mutually beneficial referral relationships with 25 to 30 strong partners including real estate agents, financial advisors, and other industry professionals who can consistently send quality business your way. He further explains the importance of establishing a clear and recognizable market identity, encouraging originators to define what sets them apart and to communicate that value proposition effectively. Dustin highlights the power of leveraging content whether through social media, educational seminars, or community events to build trust and credibility within your target audience. He also discusses the art of storytelling, teaching listeners how to use real life examples and client success stories to connect on a deeper level and make their message memorable. Throughout the episode, Dustin underscores the necessity of continuous learning, staying up to date with industry trends, and investing in personal and professional development. He reminds listeners that protecting your reputation is paramount, as trust and integrity are the cornerstones of long term success in the mortgage business. Dustin stresses that true achievement is the result of multiplication leveraging relationships, implementing efficient systems, and increasing your visibility over time rather than seeking quick fixes or shortcuts. The episode wraps up with a practical, step by step action plan designed to help originators implement these strategies immediately. Dustin encourages listeners to take ownership of their growth and invites them to explore further coaching and resources available at tloponline.com, offering support for those ready to elevate their business to the next level.   TLOP's Originator Coaching: https://tloponline.com/mlo-coaching-programs/

Why is consistency so hard… even when you know exactly what to do? In this episode, I sit down with Christine Tan from Sun Life to talk about one of the biggest gaps in most mortgage and financial businesses: doing the simple things, consistently. Most people don't have a strategy problem. They know they should be making calls, following up, and having conversations. The issue is doing it when they don't feel like it… when motivation drops and distractions take over. Christine shares how she approaches consistency in her own business, what's helped her stay disciplined over time, and how she's built habits that don't rely on willpower. This isn't about grinding harder, it's about making consistency easier. What We Cover: • Why Motivation Isn't Reliable – Why waiting to “feel ready” doesn't work. • Lowering the Barrier to Start – How to make taking action easier. • Building Consistency Into Your Day – Turning actions into habits instead of decisions. • Small Actions, Big Results – Why doing less but doing it daily wins. Consistency isn't about doing more.   It's about doing what matters every day. 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.

Capital gains tax reform and negative gearing have become central to Australia's housing debate—but are these policies actually capable of improving affordability? In this episode, we unpack the real role of tax settings in the property market and question whether current reform discussions are addressing the right problem.The conversation explores how capital gains tax discounts work in practice, why they exist, and what changes could mean for investor behaviour. We also dive into the broader housing ecosystem—covering rental vacancy rates, population growth, and the heavy reliance on private investors to supply rental housing. Along the way, the episode challenges the assumption that reducing investor incentives will automatically improve affordability.A key theme is unintended consequences. What happens if investors exit the market? Where does that capital go? And how might changes to CGT or negative gearing impact rental supply, development activity, and long-term housing outcomes? The discussion also touches on the rise of build-to-rent, government incentives, and the shift toward institutional investment.This episode offers a grounded, data-informed perspective for investors trying to navigate policy uncertainty. Instead of reacting to headlines, listeners are encouraged to think critically about how incentives shape supply—and why meaningful housing reform requires more than just tax changes.Episode Highlights01:20 — Meet Cameron Kusher & His Market Perspective04:41 — Investors, Rentals & Why Supply Is So Tight15:52 — Why New Build Incentives Matter More Than Ever19:41 — Foreign Capital: Help or Housing Distortion?27:11 — Tax Deductions: What Investors Actually Claim29:00 — Should Investor Tax Benefits Be Capped?30:31 — Portfolio Building: Smart Strategy or Risky Hype?32:42 — Why Incentives Should Focus on New Supply34:28 — Apartments: The Missing Piece in Supply Fix36:18 — Developer Costs: What's Really Holding Builds Back39:07 — Government Housing: What Are the Real Options?41:21 — Rate Fears & Falling Confidence in Property45:45 — Where the Property Market Could Go Next48:12 — Build Costs and the Supply Feedback Loop49:26 — Final Thoughts & Key Takeaways for InvestorsAbout the GuestCameron Kusher is a highly respected property market analyst with decades of experience interpreting housing data and market trends across Australia. His work focuses on understanding how policy decisions, economic conditions, and demographic shifts influence real-world housing outcomes.With a background in analysing property cycles and investor behaviour, Cameron brings a practical, evidence-based perspective to complex policy discussions. He is known for cutting through political narratives and focusing on what the data actually shows—particularly when it comes to housing supply, affordability, and the role of investors in the market.His insights help bridge the gap between policy theory and market reality, making him a trusted voice for investors seeking clarity in an often noisy and opinion-driven space.Connect with CameronCameron Kusher - Independent | property market strategist | Helping real estate businesses, developers & lenders make better decisions with dataKusher ConsultingKusher Consulting's LinkedInResourcesVisit 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, Cezar Mansour shares his journey from automotive R&D to becoming a successful mortgage broker and software creator. He dives into how building strong systems, consistent procedures, and leveraging technology like Savvy Broker can help mortgage professionals scale their business. Cezar emphasizes the importance of relationship-building, database management, and daily discipline to achieve long-term success in the mortgage and real estate industry.   Professional Real Estate Investors - How we can help you: Investor Fuel Mastermind:  Learn more about the Investor Fuel Mastermind, including 100% deal financing, massive discounts from vendors and sponsors you're already using, our world class community of over 150 members, and SO much more here: http://www.investorfuel.com/apply   Investor Machine Marketing Partnership:  Are you looking for consistent, high quality lead generation? Investor Machine is America's #1 lead generation service professional investors. Investor Machine provides true 'white glove' support to help you build the perfect marketing plan, then we'll execute it for you…talking and working together on an ongoing basis to help you hit YOUR goals! Learn more here: http://www.investormachine.com   Coaching with Mike Hambright:  Interested in 1 on 1 coaching with Mike Hambright? Mike coaches entrepreneurs looking to level up, build coaching or service based businesses (Mike runs multiple 7 and 8 figure a year businesses), building a coaching program and more. Learn more here: https://investorfuel.com/coachingwithmike   Attend a Vacation/Mastermind Retreat with Mike Hambright: Interested in joining a "mini-mastermind" with Mike and his private clients on an upcoming "Retreat", either at locations like Cabo San Lucas, Napa, Park City ski trip, Yellowstone, or even at Mike's East Texas "Big H Ranch"? Learn more here: http://www.investorfuel.com/retreat   Property Insurance: Join the largest and most investor friendly property insurance provider in 2 minutes. Free to join, and insure all your flips and rentals within minutes! There is NO easier insurance provider on the planet (turn insurance on or off in 1 minute without talking to anyone!), and there's no 15-30% agent mark up through this platform!  Register here: https://myinvestorinsurance.com/   New Real Estate Investors - How we can work together: Investor Fuel Club (Coaching and Deal Partner Community): Looking to kickstart your real estate investing career? Join our one of a kind Coaching Community, Investor Fuel Club, where you'll get trained by some of the best real estate investors in America, and partner with them on deals! You don't need $ for deals…we'll partner with you and hold your hand along the way! Learn More here: http://www.investorfuel.com/club   —--------------------

Fixing housing supply in Australia has become one of the biggest policy challenges of our time—but turning reform into actual homes on the ground is where things start to break down.In this episode, we sit down with NSW Planning Minister Paul Scully to unpack what's really happening behind the state's aggressive housing push, and whether these reforms can deliver at the scale required.This conversation goes beyond headlines and policy announcements. It dives into the structural issues holding back housing supply in Australia—from feasibility constraints and construction bottlenecks to community resistance and the limits of zoning reform. While initiatives like transport-oriented development and low-to-mid rise planning changes aim to unlock supply, the reality is far more complex than simply increasing density.We also explore the gap between approvals and delivery—why thousands of homes can sit in the pipeline without ever being built. From financing barriers and labour shortages to the economics of development, this episode breaks down what actually determines whether a project moves forward or stalls.If you're trying to understand where the housing market is heading, this is the conversation that connects policy to real-world outcomes. Because in the end, the question isn't whether we can plan for more housing—it's whether we can actually deliver it.Episode Highlights01:59 — Why Housing Reform Is Finally Happening Now04:00 — Why Housing Is the “Everything Problem”07:41 — Transport-Oriented Development: The Big Bet12:26 — Design Quality vs Density: Can We Have Both?24:37 — Community Backlash vs Housing Equity26:42 — Why Key Workers Can't Afford to Live Nearby28:46 — Downsizing Myth: Does It Really Free Up Supply?32:22 — Three Practical Ways to Increase Housing Supply33:57 — Inside the Push for Social Housing Investment37:49 — Why Approved Projects Still Don't Get Built39:00 — Cutting Red Tape: What's Actually Changing40:32 — Finance Guarantees and the Labour Shortage44:40 — Using Every Lever to Fix Housing Supply47:54 — Industry Consultation: What's Working, What's Not50:12 — Housing Delivery Authority: What's Changed52:58 — Final Thoughts: Property, Policy, and RealityAbout the GuestPaul Scully is the NSW Minister for Planning and Public Spaces, responsible for overseeing one of the most ambitious housing reform agendas in the state's history. His portfolio sits at the centre of efforts to address housing supply in Australia, including planning system overhauls, transport-oriented development policies, and initiatives to accelerate housing delivery.With direct oversight of both policy design and implementation, Paul brings a rare, inside-the-system perspective on the challenges of turning housing strategy into real outcomes. His work focuses not just on increasing approvals, but on addressing the deeper constraints—feasibility, infrastructure, and coordination—that determine whether homes actually get built.Connect with PaulPaul Scully - Minister for Planning and Public Spaces at NSW Government and Member for Wollongong | LinkedInPaul Scully MPPaul Scully MP (@PaulScullyWollongong) • FacebookPaul Scully MP (@paulscullymp)Paul Scully MP (@paulscullymp) / Posts / XResourcesVisit 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

Yesterday, we talked about what happens when you miss a mortgage repayment. Today, let's talk about how to avoid getting into that situation in the first place – by choosing the right mortgage broker.In this episode, Ed and Andrew break down the top mortgage brokers in New Zealand, what makes each one different, and why using the right adviser can dramatically improve your chances of getting (and keeping) a good loan. You'll learn: The 10 mortgage brokers across NZ What a mortgage broker actually does How much does a mortgage broker really costThe key takeaway? Get the right advice early, and you're far less likely to end up in a position where the bank starts calling.Don't forget to ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠create your free Opes+ account and Wealth Plan here⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.For more from Opes Partners:⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Sign up for the weekly Private Property newsletter⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Instagram⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠TikTok⁠⁠⁠⁠

Episode 192 In this episode, I sit down with Ginger Bell, Growth Officer for the National Association of Mortgage Brokers, for a conversation every mortgage professional should hear. We talk about how NAMB is doing far more than advocacy on Capitol Hill. The association is creating real value for its members through industry support, benefits, education, and a stronger voice for mortgage professionals across the country. We also break down why now is a great time to get involved. NAMB membership is normally just $150 per year, but listeners can join for only $99 using the code LOBC. On top of that, Ginger shares details about the upcoming Advocacy in Action event on April 21, 2026, where for just $99, attendees can travel to Washington, D.C., meet with lawmakers, step inside the Capitol, and directly advocate for the issues that matter most to the mortgage business. If you've ever wanted to have a bigger impact in this industry, this is one of the most powerful ways to do it. This episode is a great reminder that getting involved is not only good for your business, it is good for the future of the mortgage profession. For more information on membership, benefits, advocacy, and the upcoming event, visit NAMB.org: https://namb.org/ Looking for Construction, Fix & Flip, Bridge, DSCR / Portfolio, or Multifamily financing for your clients? Partner with Lulu Capital Inc. for fast, dependable funding solutions. Get a quick quote here: https://www.lulucapitalinc.com/brokers Powered by: Mortgage Marketing Animals

In this episode, Jason Henneberry shares his journey from a high-performing mortgage broker to a tech-driven entrepreneur. He dives into the importance of adapting during market volatility, leveraging technology to create scalable solutions, and building tools that serve not only his business but the broader industry. Jason emphasizes resilience, strategic pivots, and the power of audience-building to turn challenges into long-term opportunities.   Professional Real Estate Investors - How we can help you: Investor Fuel Mastermind:  Learn more about the Investor Fuel Mastermind, including 100% deal financing, massive discounts from vendors and sponsors you're already using, our world class community of over 150 members, and SO much more here: http://www.investorfuel.com/apply   Investor Machine Marketing Partnership:  Are you looking for consistent, high quality lead generation? Investor Machine is America's #1 lead generation service professional investors. Investor Machine provides true 'white glove' support to help you build the perfect marketing plan, then we'll execute it for you…talking and working together on an ongoing basis to help you hit YOUR goals! Learn more here: http://www.investormachine.com   Coaching with Mike Hambright:  Interested in 1 on 1 coaching with Mike Hambright? Mike coaches entrepreneurs looking to level up, build coaching or service based businesses (Mike runs multiple 7 and 8 figure a year businesses), building a coaching program and more. Learn more here: https://investorfuel.com/coachingwithmike   Attend a Vacation/Mastermind Retreat with Mike Hambright: Interested in joining a "mini-mastermind" with Mike and his private clients on an upcoming "Retreat", either at locations like Cabo San Lucas, Napa, Park City ski trip, Yellowstone, or even at Mike's East Texas "Big H Ranch"? Learn more here: http://www.investorfuel.com/retreat   Property Insurance: Join the largest and most investor friendly property insurance provider in 2 minutes. Free to join, and insure all your flips and rentals within minutes! There is NO easier insurance provider on the planet (turn insurance on or off in 1 minute without talking to anyone!), and there's no 15-30% agent mark up through this platform!  Register here: https://myinvestorinsurance.com/   New Real Estate Investors - How we can work together: Investor Fuel Club (Coaching and Deal Partner Community): Looking to kickstart your real estate investing career? Join our one of a kind Coaching Community, Investor Fuel Club, where you'll get trained by some of the best real estate investors in America, and partner with them on deals! You don't need $ for deals…we'll partner with you and hold your hand along the way! Learn More here: http://www.investorfuel.com/club   —--------------------

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