Beyond The Numbers With Christian Stevens

How to Scale a Mortgage Brokerage Without Burning Out?

Matt Turner is a partner at GSC Finance in Geelong, a former financial planner who talked his way into a banking role, spent five years earning his stripes as a relationship manager (amongst other roles), and built his way to business partner without ever being handed anything.  In the last 12 months alone, GSC has rebranded, moved offices, launched a sub-aggregation arm, added asset finance, and hired a marketing manager. The momentum is real. But this conversation goes well beyond the business build. Matt talks candidly about the decision to move to Loan Market partner and why they fully committed to their aggregator rather than just staying for the licence, the outsourcing mistake that cost them 12 months of growth, and why he believes Australia has roughly twice as many brokers as it needs. He gets into the complex and commercial lending niche he's deliberately building toward, and why he thinks the brokers who can't do it will be the first ones replaced. Then he opens up about something most people in this industry never say out loud. Two suicide attempts. An ADHD diagnosis that explained a lot. And what it's actually taken, not just what worked, to get to the other side of it. He's not sharing it for sympathy. He's sharing it because he thinks the industry's approach to mental health is still mostly a corporate tick-box, and someone needs to say it plainly. If you're building something or quietly struggling behind the numbers, this one is worth your time. 3:19 — How GSC Finance Was Built — From Two Partners to 20+ People Across Two Countries 8:05 — The Sub-Aggregation Decision — Why They Built a Second Business Inside the Business 13:50 — FY27 Growth Plan — Tightening the Screws and Targeting the Right Market 16:25 — The Outsourcing Mistake That Cost 12 Months of Growth 21:24 — Building the Team — Who's In the Business and Why Each Person Matters 27:24 — Stepping Into a Leadership and Partnership Role — Earning the Right to Own It 31:29 — Raising the Standard of Broking — Why There Are Too Many Brokers and a Broken Mentorship System 39:34 — Matt Opens Up About Mental Health — Two Suicide Attempts, ADHD Diagnosis, and the Long Road Back 46:40 — Why "Are You Okay?" Once a Year Is Not Enough — And What Actually Helps Learn more about Flint: https://flintgroup.au/ [https://www.youtube.com/redirect?event=video_description&redir_token=QUFFLUhqbUxPSUNqNFNURzM5ZzZxQVZETWhlcEZ2SkhnQXxBQ3Jtc0tseldiQks0XzZUYXhmWmEzdHdZcWt3bmVpeHZic1ZLR2xTTFIteHFYb2lOZUhXS1RzeFM3VEE1WTc5UXRLS1VzUHBDMzV5Q3NKTXF0cGZHRGlNcnpqOWtOY3FUYTlUOTVnT2EyQXdYU2I2YXQ0Y1Z4dw&q=https%3A%2F%2Fflintgroup.au%2F&v=aRm2GJhm4sE] Connect with Christian Stevens:  LinkedIn: https://www.linkedin.com/in/propertyfinance/ [https://www.linkedin.com/in/propertyfinance/]  Instagram: https://www.instagram.com/cmrstevens/ [https://www.instagram.com/cmrstevens/]  Connect with Matt Turner:  LinkedIn: https://www.linkedin.com/in/matt-turner-20a42693/ [https://www.linkedin.com/in/matt-turner-20a42693/] Instagram: https://www.instagram.com/geelongbroker/ [https://www.instagram.com/geelongbroker/]

Why Mortgage Broking Is One of the Best Careers for Work-Life Balance

Pete Davies is a mortgage broker based in Lake Macquarie — a former big four business banker turned underground coal miner, who rebuilt his life from scratch after a separation during Covid and came back to finance with a clarity most brokers never find.  This conversation goes well beyond the loan book. Pete opens up about why he deliberately chose not to go it alone — selecting a mentor with 30 years of experience, negotiating a commission split his peers called remarkable, and building his business around being a present father to two daughters rather than chasing volume. He unpacks his philosophy on debt as a tool for freedom rather than a rate-shopping exercise, why he turned down clients early on that would have cost him more than they paid, and how a coal mining background taught him more about resilience and teamwork than any sales training ever could. He also gets into the habits that underpin everything — time blocking, morning routines, the pen-and-paper end-of-day list that sets up tomorrow's quick wins — and why he believes momentum is built through small consistent actions, not big swings. If you're new to broking, thinking about the transition from banking, or trying to build something sustainable without burning out, this one's worth your time. 1:07 — From Big Four Banking to Underground Coal Mining 3:15 — 18 Months In — The Reality of the Building Phase 6:23 — Choosing the Right Mentor — What Pete Was Looking For 10:26 — FY27 Vision — Building for Sustainability, Not Volume 13:06 — How Separation Reshaped Everything 20:36 — Debt as a Tool for Freedom — Not a Rate-Shopping Exercise 24:14 — What Success Actually Looks Like at 40 29:32 — What Worked and What He'd Never Do Again 36:40 — The Mentor Selection Process — Face to Face, Experience Over Convenience 43:03 — Mindset, Mental Health and Daily Discipline 48:36 — If You Had to Start Again — The One Thing He'd Do Differently Learn more about Flint: https://flintgroup.au/ [https://www.youtube.com/redirect?event=video_description&redir_token=QUFFLUhqbUxPSUNqNFNURzM5ZzZxQVZETWhlcEZ2SkhnQXxBQ3Jtc0tseldiQks0XzZUYXhmWmEzdHdZcWt3bmVpeHZic1ZLR2xTTFIteHFYb2lOZUhXS1RzeFM3VEE1WTc5UXRLS1VzUHBDMzV5Q3NKTXF0cGZHRGlNcnpqOWtOY3FUYTlUOTVnT2EyQXdYU2I2YXQ0Y1Z4dw&q=https%3A%2F%2Fflintgroup.au%2F&v=aRm2GJhm4sE] Connect with Christian Stevens:  LinkedIn: https://www.linkedin.com/in/propertyfinance/ [https://www.linkedin.com/in/propertyfinance/]  Instagram: https://www.instagram.com/cmrstevens/ [https://www.instagram.com/cmrstevens/]  Connect with Pete Davies:  Website: https://www.petedaviesbroker.com.au/ [https://www.petedaviesbroker.com.au/] Instagram:https://www.instagram.com/petedaviesbroker/ [https://www.instagram.com/petedaviesbroker/]

The Attention Economy: Why the Broker Who Shows Up Online Wins All the Clients

Robbo Roper is the founder of Trusted Finance and arguably the most followed finance mind in Australia — 1.7 million followers across TikTok, Instagram, Facebook and YouTube, built entirely without spending a single dollar on advertising. But his origin story isn't what you'd expect. He spent a decade as a high school maths teacher, built a 15-staff tutoring centre on the side, and only stumbled into mortgage broking when Covid shut his business down overnight and his income went to zero. This conversation goes well beyond the follower count.  Robbo breaks down exactly how he went from posting one video a day hoping for one lead a month, to generating 500–750 qualified leads per week through a 30-question intake form that filters out everyone who isn't serious. He gets into his three-pillar content framework — education, entertainment, inspiration — why he deliberately made himself harder to contact, how he turned 11 hero videos into 40–60 daily posts across every platform, and the fork-in-the-road decision that transformed him from mortgage broker into a full-scale marketing business. If you're a broker trying to figure out social media, or wondering what's actually possible with consistency over five years, this one will reset your benchmark. 1:05 — From maths teacher to mortgage broker — how Covid shutting down a 15-staff tutoring centre sparked the pivot 7:21 — The turning point - The moment Robbo knew social media had changed everything 13:08 — The 6,900 posts framework - why consistency is the only secret 19:00 — The 3-pillar content strategy — education, entertainment and inspiration, and how to hijack the For You page across every platform 24:57 — Live content creation demo — Robbo films a real video in real time showing the hook-problem-solution structure, segment-by-segment filming and in-app editing 35:05 — 40–60 posts per day from 11 hero videos — the repurposing system, trial reels, and the fatherhood video that hit 48M views and generated 70,000 followers overnight 41:34 — What most brokers are doing wrong — reactive content, RBA-day-only posting, and why the willingness to fail is the real barrier 45:14 — The brand risk nobody talks about — running Trusted Finance solo with zero staff, the "if you die tomorrow" question, and what the next chapter looks like Learn more about Flint: https://www.youtube.com/redirect?event=video_description&redir_token=QUFFLUhqbUxPSUNqNFNURzM5ZzZxQVZETWhlcEZ2SkhnQXxBQ3Jtc0tseldiQks0XzZUYXhmWmEzdHdZcWt3bmVpeHZic1ZLR2xTTFIteHFYb2lOZUhXS1RzeFM3VEE1WTc5UXRLS1VzUHBDMzV5Q3NKTXF0cGZHRGlNcnpqOWtOY3FUYTlUOTVnT2EyQXdYU2I2YXQ0Y1Z4dw&q=https%3A%2F%2Fflintgroup.au%2F&v=aRm2GJhm4sEhttps://flintgroup.au [https://flintgroup.au/]/  Connect with Christian Stevens:  LinkedIn: https://www.linkedin.com/in/propertyfinance/ [https://www.linkedin.com/in/propertyfinance/]  Instagram: https://www.instagram.com/cmrstevens/ [https://www.instagram.com/cmrstevens/]  Connect with Robbo Roper:  LinkedIn: https://www.linkedin.com/in/robbo-roper-online-marketing-expert-88a56024b/ [https://www.linkedin.com/in/roperrob/] Instagram: https://www.instagram.com/trusted.finance/ [https://www.instagram.com/trusted.finance/]

Can a Single Parent Build a Brokerage From Scratch and Still Be There for Their Kids?

Kaylene Edwards is the managing director of Flexify and one of the more honest, self-made stories to come through Beyond The Numbers. She grew up in commission housing, bartended her way through her twenties, and bought her first property at 21 — sleeping in her car between shifts to save the deposit. She later moved into banking as an assessor, watched brokers submit loan after loan, and eventually thought: I can do this better. So she did. Flexify was born, and she's been building it ever since — as a single mum, without a mentor, figuring it out in real time. But this conversation goes well beyond the origin story. Kaylene talks candidly about what it really takes to build a broking business from scratch — the social media strategy she's used from day one, why she'd rather get six likes from the right people than a million views from the wrong ones, and how she's doubling her team heading into FY27. She opens up about building a niche she didn't choose — self-employed borrowers and property investors — and how 20% of her Brisbane-based book ended up in Kalgoorlie. She also gets into what she believes is holding women back from staying in broking, and what a genuine solution to that might look like. If you're a broker trying to build something real from nothing, or just want a reminder of what backing yourself actually looks like — this one's for you. 1:13 Working as an Assessor — Watching Brokers and Thinking She Could Do It Better 7:13 The Moment She Saw What Brokers Got Paid 13:22 FY27 Plans — Doubling the Team and Launching Paid Ads 16:40 Social Media Ad Strategy — What She's Actually Testing 19:23 Do You Want Exposure or Do You Want to Get Rich? 24:27 The Hardest Parts Nobody Warns You About 29:09 Why Women Leave Broking — and Her Idea to Fix It 35:26 AI and Automation — What's Actually Saving Her Time 48:29 Sleeping in Her Car to Save Her First Property Deposit Learn more about Flint: https://flintgroup.au/ Connect with Christian Stevens: LinkedIn: https://www.linkedin.com/in/propertyfinance/ Instagram: https://www.instagram.com/cmrstevens/ Connect with Kaylene Edwards: LinkedIn: https://www.linkedin.com/in/kayleneedwards/ Instagram: https://www.instagram.com/flexify.au/

Why 2026 Might Be the Best Time in History to Be a Mortgage Broker

Simon Lewis is the founder of Broker Capital, a trail book lender built specifically for mortgage brokers who want to grow — without selling what they've spent years building. In this episode, Simon unpacks how trail book funding actually works, why most brokers don't realise they're sitting on a borrowable asset, and how Broker Capital is funding deals in as little as two days. He breaks down the four main reasons brokers come to him — growing a team, buying out a partner, acquiring another book, or consolidating debt — and why the banks simply won't touch most of these situations. But this conversation goes deeper than product. Simon shares what a high-quality trail book actually looks like under the hood — loan age, clawback rates, run-off, growth trajectory — and why the average book transacted at nearly 3x in FY25. He talks about the consolidation wave reshaping Australian broking, why the smaller operators are feeling the squeeze, and what ambitious brokers should be doing right now to capitalise on it. He also opens up about what it's really like being four months into building a business from scratch — wearing every hat, figuring it out in real time, and why he believes the broking industry is in a golden window that won't last forever. If you're a mortgage broker sitting on a trail book and wondering what your next move is — this one's for you. 3:45 The Beginner's Guide to Trail Book Funding 9:00 Acquisitions 101: Buying a Book With $0 Out of Pocket 12:40 What Makes a Good Borrower — and Who Gets Declined 19:10 The 4 Reasons Brokers Come to Broker Capital 23:15 What Makes a High-Quality Trail Book (Run-Off, Clawbacks, Loan Age) 25:20 Biggest Clawback Horror Stories 30:25 Generalist vs Specialist: Where the Industry Is Heading 33:00 The Long-Term Vision for Broker Capital Learn more about Flint: https://flintgroup.au/ Connect with Christian Stevens: LinkedIn: https://www.linkedin.com/in/propertyfinance/ Instagram: https://www.instagram.com/cmrstevens/ Connect with Simon Lewis: LinkedIn: https://www.linkedin.com/in/simonlewisbrokercapital/ Instagram: https://www.instagram.com/simonlewis_brokercapital/