The New Standard for Mortgage Brokers in Australia

The New Standard for Mortgage Brokers in Australia

Matthew Hollinworth is a Flint Director and founding broker at Flint Newcastle. With experience across accounting, CBA business banking and mortgage broking, Matthew brings a rare mix of technical finance knowledge and client-facing energy to complex lending. This conversation goes well beyond the bank-to-broker story. Matthew breaks down how he moved from accounting into CBA business banking, why his first years in broking were like drinking from the fire hose, and how referral partnerships helped him build a self-employed and investor-heavy client base. He also opens up about joining Flint, moving from solo broker to director, how that shift has already led to a record lodgement month and a $100 million FY27 target. He dives deep into the biggest changes facing brokers right now: AI, offshore credit teams, Newcastle’s growth, self-employed lending policy, company structures, the 2026 budget changes, negative gearing, CGT, and why simple vanilla lending may become harder to defend as technology improves. If you're a mortgage broker trying to grow beyond doing everything yourself, or a finance professional working with complex clients, this one's for you. 3:59 — Business Banking Lessons — $1M Secured & $250K Unsecured Lending 7:37 — Referral Partner Strategy — Accountants, Planners & Shared Values 13:00 — 300% Growth Lesson — Why Support Teams Unlock Scale 19:15 — Inside Flint Engine — Nepal, Credit Teams & Remote Culture 25:09 — Record Growth At Flint — Biggest Month, Biggest Deal & $100M FY27 Goal 27:41 — AI In Mortgage Broking — Claude, Email Agents & The Next 12 Months 39:22 — 2026 Budget Changes — CGT, Negative Gearing & Borrowing Capacity 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 Matthew Hollinworth:  LinkedIn: https://www.linkedin.com/in/hollinworth/ [https://www.linkedin.com/in/hollinworth/]  Instagram: https://www.instagram.com/hollinworth_flint/ [https://www.instagram.com/hollinworth_flint/]

Inside a High-Performance Brokerage Team

Rachael McKenzie is the operations manager at Loan Gallery Finance, a 40-plus person brokerage with 27 loan writers, and a major FY27 recruitment drive ahead. She came into broking from the fitness industry after COVID, and has helped scale the brokerage without the wheels falling off. Rachael opens up about the real mechanics behind high-performance brokerages — splitting admin teams, managing construction progress payments, building documentation so anyone can step into a file, and creating a culture that works for senior brokers, young staff, parents and growing teams. She also breaks down Loan Gallery's next move: using two years of operational groundwork to recruit harder in Melbourne, bring brokers into a tighter system, and reduce the training burden from day one. She also shares the impact work behind Lioness Loans Co and Lioness Den: helping single mums build financial confidence, prepare for home ownership over 6 to 18 months, and eventually create housing models where part of the rent helps them save for a deposit. From being the first woman in her family to buy a property on her own, to using finance as a vehicle for generational change, Rachael brings a perspective the broking industry needs more of. If you're a mortgage broker, brokerage owner or operations leader trying to build a business that performs without burning people out — this one's for you. 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 Rachael McKenzie: LinkedIn: https://www.linkedin.com/in/rachael-mckenzie-mortgages/ Instagram: https://www.instagram.com/finance_withrach/

The Social Media Strategy Every Broker Needs For Growth in 2026

Melissa Gielnik is the Managing Director of Smart Lending Mortgage Brokers, a 25-year mortgage broking veteran, former Deputy Chairman of the MFAA during the Royal Commission, and one of the most decorated female leaders in Australian financial service. She built Smart Lending from the ground up and has spent the last two and a half decades helping clients invest smart and generate wealth. This conversation covers what genuine longevity in the brokerage business actually looks like. Melissa breaks down her three-pronged growth strategy across social media, agents and referrals, why she believes Melbourne is wide open for hungry operators, and how a team with an average eight-year tenure, including an EA who's been with her 19 years, is her most underrated competitive advantage. She also gets into why she's made 2026 her year of visibility after years of staying deliberately under the radar, and what the next chapter of Smart Lending looks like heading into FY27. If you're a broker thinking about building something that lasts, this one is the episode for you. 1:54 — The Pivot That Changed Everything — Downsizing From Nine Brokers and $22M/Month 5:10 — 25 Years of Industry Evolution — Paper Fax Applications to AI-Assisted Processing 7:20 — Smart Lending's Three-Pronged Growth Strategy — Social, Agents and Referrals 10:08 — The 19-Year EA and Eight-Year Average Tenure — Why Team Loyalty Is the Edge 22:40 — The Year of Visibility — Why She Stayed Under the Radar and What Changed in 2026 26:45 — The Melbourne Opportunity — Why the Market Is Wide Open for Hungry Operators 32:20 — AI and Offshore — How Smart Lending Is Using Tech to Do More With Less 37:00 — Stepping Off the Tools — Boundaries, Systems and Getting Locked Out of Her Own Emails 43:47 — FY27 Plans — What Conquering Melbourne Actually Looks Like 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 Melissa Gielnik: LinkedIn: https://www.linkedin.com/in/melissagielnik/ Instagram: https://www.instagram.com/melissagielnik/

What Every Broker Gets Wrong About Offshoring

Rushmi Shrestha is the General Manager of Flint Engine, running the entire support team behind Australia's fastest-growing mortgage brokerage. Rushmi manages an 80-person team across app docs, loan processing, credit, compliance, HR, training and tech; and is directly responsible for growing headcount 1000% in a single year! This conversation pulls back the curtain on what actually goes into building an offshore operation that works. Rushmi breaks down why culture, not systems, is the hardest thing to maintain at speed, how Flint Engine achieved ISO certification to solve data security at scale, and why she believes most Australian brokers are treating offshore talent as a back-office function when they could be building a fully capable team. If you're a broker thinking about offshore support, or curious what it takes to build a back-end operation that holds together at pace, this one will give you a real picture. 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 Rushmi Shrestha:  LinkedIn: https://www.linkedin.com/in/rushmi-shrestha-1902951b4/ [https://www.linkedin.com/in/rushmi-shrestha-1902951b4/] Instagram: https://www.instagram.com/_rushmi.s_/ [https://www.instagram.com/_rushmi.s_/]

She Walked Into a Room of 16 Male Brokers. They Asked Her Why She Was There.

Niti Bhargava is the founder and principal broker of GB Financial, arrived in Australia at 20 with three master's degrees, was rejected from 26 jobs before landing a teller role at Bankwest, and spent the next 13 years climbing through CBA from teller to direct lender. But even with all the success she has, Niti left banking in 2020 and started building GB Financial on a tagline most brokers wouldn't dare put on their website: ethical lending, community first. This conversation goes well beyond the loan book. Niti talks about the financial literacy program she runs for migrated women, sessions that started with 60 women from Indian, African, Arabic and European backgrounds in a local MP's office, and now run quarterly with 40-50 attendees, supported by registered translators and local council funding. She also opens up about the cultural weight of being one of two daughters in a family where sons were considered assets and daughters liabilities, why her 16-year-old son is her biggest mirror and motivation, and what legacy actually means to her beyond the business. If you're a broker thinking about community impact, or curious what it looks like to build something meaningful alongside a profitable business, this one's worth your time. 1:05 — From India to Australia at 20 — Three Masters, No Job, and the First Break 3:17 — 13 Years at CBA — Teller to Direct Lender and the Shift to 24/7 Lending 10:14 — Financial Literacy for Migrated Women — How It Started and Why the Gap Is Bigger Than Language 12:14 — The Wake-Up Call Story — A Woman, $650K in Debt and a Husband Who Disappeared 20:01 — The Franchise Exit — Rebuilding From Zero Clients in 2024 23:07 — The Nurse Who Never Looked at a Bank Statement — 35 Years, No Plan, and the Turning Point 27:09 — Awards and Recognition — Governor's Award 2024 and Business Victoria Feature 28:11 — Why She Left CBA — Burnout, Diagnosis and the Decision to Go Alone 34:09 — Owning Your Strengths — Why She Refuses to Apologise for Who She Is 36:15 — What Legacy Really Means — Her 16-Year-Old Son, Accountability and the "Why" 41:39 — Ethical Lending, Community First — Why She Never Wanted to Be "Another Broker" 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 Niti Bhargava: LinkedIn: https://www.linkedin.com/in/niti-bhargava-mipa-afa-92ab79b2/ Instagram: https://www.instagram.com/niti2857/