Balpreet Bal didn't set out to build a billion dollar business. He set out to give clients a better experience than the one he had as a first-time home buyer.

Twelve years later, that instinct still anchors Loan Market Bal and Associates. The Perth-based brokerage has grown into a team of 15+, with over $1 billion in loans settled and 530+ five-star Google reviews. In the latest Broker Bulletin, Loan Market CEO Sam White sits down with Bal to unpack the real turning point in Loan Market Bal and Associates' growth. 

In this episode, you'll hear:
How Bal's mindset shift took him from solo broker to settling $1 billion in loans
Why letting go of control was the hardest, and most valuable, lesson in scaling
How Bal's team uses AI to save time without losing the human touch

Balpreet Bal didn't set out to build a billion dollar business. He set out to give clients a better experience than the one he had as a first-time home buyer.
Twelve years later, that instinct still anchors Loan Market Bal and Associates. The Perth-based brokerage has grown into a team of 15+, with over $1 billion in loans settled and 530+ five-star Google reviews.&nbsp;In the latest Broker Bulletin, Loan Market CEO Sam White sits down with Bal to unpack the real turning point in Loan Market Bal and Associates' growth.&nbsp;
In this episode, you'll hear:
<ul dir="ltr">
<li>How Bal's mindset shift took him from solo broker to settling $1 billion in loans</li>
<li>Why letting go of control was the hardest, and most valuable, lesson in scaling</li>
<li>How Bal's team uses AI to save time without losing the human touch</li>
</ul>

Broker Bulletin is your go-to podcast for tips, stories, and insights straight from the heart of Australia’s broking industry. It’s all about keeping you ahead of the game in a market that’s always on the move.

Each week, we chat with guest brokers, industry leaders, and area experts who tackle the big challenges facing broking and share some of the real opportunities on offer. From celebrating wins to dishing out practical advice, each episode will give you the guidance you need to make the most of your broking journey.

Whether you’re on the road, at the gym, or taking some time out from a busy day, Broker Bulletin is here to keep you inspired, informed, and ready to take your business to the next level, no matter what stage of your career you are in.

So, hit subscribe, join the conversation, and connect with our growing broker community.

Broker Bulletin is your go-to podcast for tips, stories, and insights straight from the heart of Australia&rsquo;s broking industry. It&rsquo;s all about keeping you ahead of the game in a market that&rsquo;s always on the move.
Each week, we chat with guest brokers, industry leaders, and area experts who tackle the big challenges facing broking and share some of the real opportunities on offer. From celebrating wins to dishing out practical advice, each episode will give you the guidance you need to make the most of your broking journey.
Whether you&rsquo;re on the road, at the gym, or taking some time out from a busy day, Broker Bulletin is here to keep you inspired, informed, and ready to take your business to the next level, no matter what stage of your career you are in.
So, hit subscribe, join the conversation, and connect with our growing broker community.

Broker Bulletin

$1 billion in loans. One mindset shift behind it all. 

Jetstar taught her to stay calm under pressure. The car yards, a tough, male dominated industry, founded her love for finance. Today, Nicole Romero is the Asset Finance Specialist at Loan Market Launch, NSW’s first Loan Market Asset Finance only franchise.

In the latest Broker Bulletin, LMG’s Natalie Viney sits down with Nicole to unpack how that path shaped her approach, the AFX marketplace, and why now’s the time for brokers to diversify.

In this episode, you’ll hear:
Why diversifying into asset finance is about to matter more than ever
What the AFX marketplace means for brokers wanting to expand their offering
The simple daily habit that turns one off clients into lifetime ones

 Like this episode?
Leave a review! Don’t miss an episode: Subscribe to the Broker Bulletin podcast channel on your favourite streaming service.
Got questions, ideas, or a guest suggestion? Drop us a line at podcast@lmg.broker.

You can also connect with us on Instagram @lmg.broker and on LinkedIn.
Want to know more about LMG? Click here: https://lmg.broker/about-lmg 

Show notes:
00:27 Nicole Romero joins Natalie Viney on Broker Bulletin
02:26 What an asset finance broker actually does
04:07 Inside the AFX marketplace
04:12 From Jetstar to car yards: Nicole’s career story
08:20 Market trends pushing more brokers toward asset finance
10:18 Where residential brokers can start diversifying
11:09 Advice for brokers starting out in asset finance
14:42 The 1% habit that creates lifetime clients

Jetstar taught her to stay calm under pressure. The car yards, a tough, male dominated industry, founded her love for finance. Today, Nicole Romero is the Asset Finance Specialist at Loan Market Launch, NSW&rsquo;s first Loan Market Asset Finance only franchise.
In the latest Broker Bulletin, LMG&rsquo;s Natalie Viney sits down with Nicole to unpack how that path shaped her approach, the AFX marketplace, and why now&rsquo;s the time for brokers to diversify.
In this episode, you&rsquo;ll hear:
<ul dir="ltr">
<li>Why diversifying into asset finance is about to matter more than ever</li>
<li>What the AFX marketplace means for brokers wanting to expand their offering</li>
<li>The simple daily habit that turns one off clients into lifetime ones</li>
</ul>
&nbsp;Like this episode? Leave a review! Don&rsquo;t miss an episode: Subscribe to the Broker Bulletin podcast channel on your favourite streaming service. Got questions, ideas, or a guest suggestion? Drop us a line at&nbsp;<a href="mailto:podcast@lmg.broker">podcast@lmg.broker</a>.
You can also connect with us on Instagram @lmg.broker and on LinkedIn. Want to know more about LMG? Click here:&nbsp;<a href="https://lmg.broker/about-lmg" data-saferedirecturl="https://www.google.com/url?q=https://lmg.broker/about-lmg&amp;source=gmail&amp;ust=1791596144847000&amp;usg=AOvVaw3RIL1-7oZrcm0lUSsojjp6">https://lmg.broker/about-lmg</a>&nbsp;
Show notes: 00:27 Nicole Romero joins Natalie Viney on Broker Bulletin 02:26 What an asset finance broker actually does 04:07 Inside the AFX marketplace 04:12 From Jetstar to car yards: Nicole&rsquo;s career story 08:20 Market trends pushing more brokers toward asset finance 10:18 Where residential brokers can start diversifying 11:09 Advice for brokers starting out in asset finance 14:42 The 1% habit that creates lifetime clients

From Jetstar to car yards to NSW’s first Loan Market Asset Finance only franchise

Paper credit files. A pool shed for an office. Rebecca Justice built Benchmark Finance Group from nothing, and set one rule from day one: stick to what you're best at. In the latest Broker Bulletin, LMG's State Commercial Specialist, Todd Bateman, sits down with Benchmark Finance Group's Managing Director, Rebecca Justice to unpack why she has never diversified into home loans or asset finance, even as the rest of the industry leans into the write, develop, or refer model.

What you'll takeaway:


Why Rebecca has never diversified Benchmark beyond property and commercial finance


The $50 million deal that shows what can go wrong when brokers stray outside their lane


What Rebecca wishes she'd known about validation before going out on her own

Like this episode?

Leave a review! Don't miss an episode: Subscribe to the Broker Bulletin podcast channel on your favourite streaming service.

Got questions, ideas, or a guest suggestion? Drop us a line at podcast@lmg.broker.

You can also connect with us on Instagram @lmg.broker and on LinkedIn.

Want to know more about LMG? Click here.

Show notes:

00:38 Rebecca's recent feature in business news on the private credit market
01:44 How Rebecca got into finance, from wanting to be a lawyer to working at Domino's
07:02 The leap from 15 years at NAB into starting Benchmark Finance Group
08:21 Why Rebecca chose to specialise in property finance instead of becoming a generalist broker
09:34 The case for referring instead of diversifying into every type of lending
14:35 The real difference between writing credit as a banker and as a broker
18:42 From a pool shed office to a growing seven person team
24:08 The biggest lesson Rebecca has learned since becoming a business owner

Paper credit files. A pool shed for an office. Rebecca Justice built Benchmark Finance Group from nothing, and set one rule from day one: stick to what you're best at.&nbsp;In the latest Broker Bulletin, LMG's State Commercial Specialist, Todd Bateman, sits down with Benchmark Finance Group's Managing Director, Rebecca Justice to unpack why she has never diversified into home loans or asset finance, even as the rest of the industry leans into the write, develop, or refer model.
What you'll takeaway:
<ul>
<li dir="ltr">
Why Rebecca has never diversified Benchmark beyond property and commercial finance
</li>
<li dir="ltr">
The $50 million deal that shows what can go wrong when brokers stray outside their lane
</li>
<li dir="ltr">
What Rebecca wishes she'd known about validation before going out on her own
</li>
</ul>
Like this episode?
Leave a review! Don't miss an episode: Subscribe to the Broker Bulletin podcast channel on your favourite streaming service.
Got questions, ideas, or a guest suggestion? Drop us a line at podcast@lmg.broker.
You can also connect with us on Instagram @lmg.broker and on LinkedIn.
Want to know more about LMG? Click&nbsp;<a href="http://lmg.broker/" data-saferedirecturl="https://www.google.com/url?q=http://lmg.broker/&amp;source=gmail&amp;ust=1789602116314000&amp;usg=AOvVaw0YAAH0HtfRULD6KpNjekCO">here.</a>
Show notes:
00:38 Rebecca's recent feature in business news on the private credit market 01:44 How Rebecca got into finance, from wanting to be a lawyer to working at Domino's 07:02 The leap from 15 years at NAB into starting Benchmark Finance Group 08:21 Why Rebecca chose to specialise in property finance instead of becoming a generalist broker 09:34 The case for referring instead of diversifying into every type of lending 14:35 The real difference between writing credit as a banker and as a broker 18:42 From a pool shed office to a growing seven person team 24:08 The biggest lesson Rebecca has learned since becoming a business owner

From a pool shed to a multi million dollar brokerage, and she still won't touch your home loan

Nine thousand commercial properties sold last year. $85 billion in transactions. And most brokers still think commercial lending isn't for them.

In this episode of Broker Bulletin, Mel Griffin sits down with John Flavell, Founder & Director of Wave Money, to bust the biggest myths around commercial property lending. Uncovering why your own client database might already hold your next opportunity.

You'll hear:
Why your existing customers are sitting on an opportunity you might be missing
Why "it's complicated" is a myth worth questioning
How an 80% LVR and 30-year term is opening commercial property to everyday investors

Like this episode?
Leave a review! Don't miss an episode: Subscribe to the Broker Bulletin podcast channel on your favourite streaming service.

Got questions, ideas, or a guest suggestion? Drop us a line at podcast@lmg.broker.

You can also connect with us on Instagram @lmg.broker and on LinkedIn.

Want to know more about LMG? [URL]

Show notes timestamps:

00:59 – John explains why he founded Wave Money and the borrowers being underserved by traditional lenders
03:28 – Why brokers now write over 70% of resi loans, and what hasn't changed in 30 years
06:25 – How recent tax changes are shifting where investors put their money
10:36 – "Your customers are already sitting in your database"
13:58 – Busting the myth that commercial lending is too complicated for resi brokers
17:56 – The policy detail: 80% LVR, 30-year terms, and lease-only servicing
22:14 – What "lease doc" lending actually means, explained simply
25:40 – A first-time investor's story: buying a factory unit in Geelong
31:06 – John's "one percenters" for building a business built on long-term relationships

Nine thousand commercial properties sold last year. $85 billion in transactions. And most brokers still think commercial lending isn't for them. In this episode of Broker Bulletin, Mel Griffin sits down with John Flavell, Founder &amp; Director of Wave Money, to bust the biggest myths around commercial property lending. Uncovering why your own client database might already hold your next opportunity. You'll hear:
<ul>
<li>Why your existing customers are sitting on an opportunity you might be missing</li>
<li>Why "it's complicated" is a myth worth questioning</li>
<li>How an 80% LVR and 30-year term is opening commercial property to everyday investors</li>
</ul>
Like this episode? Leave a review! Don't miss an episode: Subscribe to the Broker Bulletin podcast channel on your favourite streaming service. Got questions, ideas, or a guest suggestion? Drop us a line at podcast@lmg.broker. You can also connect with us on Instagram @lmg.broker and on LinkedIn. Want to know more about LMG? [URL] Show notes timestamps: 00:59 &ndash; John explains why he founded Wave Money and the borrowers being underserved by traditional lenders 03:28 &ndash; Why brokers now write over 70% of resi loans, and what hasn't changed in 30 years 06:25 &ndash; How recent tax changes are shifting where investors put their money 10:36 &ndash; "Your customers are already sitting in your database" 13:58 &ndash; Busting the myth that commercial lending is too complicated for resi brokers 17:56 &ndash; The policy detail: 80% LVR, 30-year terms, and lease-only servicing 22:14 &ndash; What "lease doc" lending actually means, explained simply 25:40 &ndash; A first-time investor's story: buying a factory unit in Geelong 31:06 &ndash; John's "one percenters" for building a business built on long-term relationships

$1 billion in loans. One mindset shift behind it all.

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