High LVR: super high cost, complicated, high risk, only for first home buyers. Sound familiar?

In this episode of Broker Bulletin, Kath Persoglia sits down with Mario Emmanuel, Co-Founder of Skip by LMG, to debate the realities of high LVR lending and the current sentiment in the market around these products.

Busting the myths around 98% LVR lending, Mario shares some real client stories, from a finance professional earning close to $1 million who chose a 98% LVR loan over selling her investments, to a family who went from a $1.1 million budget to $1.3 million without finding extra cash, to a newly single mum who used Skip to rebuild her life after divorce.

What you'll take away:

 How Skip keeps things simple: single rate, single tenor, fast turnarounds
 Why high LVR doesn't have to mean weaker serviceability
 Why a cash buffer can be the smarter, safer option
 Why Skip is helping far more clients than just first home buyers

 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.

Show notes:
00:00 Welcome and introducing Mario Emmanuel, Co-Founder of Skip by LMG
06:17 The story behind the rebrand from Sucasa to Skip
07:48 Myth 1: high LVR loans mean weaker serviceability
13:42 Myth 2: high LVR is automatically high risk
17:07 Myth 3: a 98% LVR loan is too complicated to write
22:13 Myth 4: low deposit lending is only for first home buyers
23:39 Real client stories: investors, upgraders and divorce recovery
32:50 Key takeaways for brokers and how to get started with Skip

High LVR: super high cost, complicated, high risk, only for first home buyers. Sound familiar?
In this episode of Broker Bulletin, Kath Persoglia sits down with Mario Emmanuel, Co-Founder of Skip by LMG, to debate the realities of high LVR lending and the current sentiment in the market around these products.
Busting the myths around 98% LVR lending, Mario shares some real client stories, from a finance professional earning close to $1 million who chose a 98% LVR loan over selling her investments, to a family who went from a $1.1 million budget to $1.3 million without finding extra cash, to a newly single mum who used Skip to rebuild her life after divorce.
What you'll take away:
&nbsp;How Skip keeps things simple: single rate, single tenor, fast turnarounds &nbsp;Why high LVR doesn't have to mean weaker serviceability &nbsp;Why a cash buffer can be the smarter, safer option &nbsp;Why Skip is helping far more clients than just first home buyers
&nbsp;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.
Show notes: 00:00 Welcome and introducing Mario Emmanuel, Co-Founder of Skip by LMG 06:17 The story behind the rebrand from Sucasa to Skip 07:48 Myth 1: high LVR loans mean weaker serviceability 13:42 Myth 2: high LVR is automatically high risk 17:07 Myth 3: a 98% LVR loan is too complicated to write 22:13 Myth 4: low deposit lending is only for first home buyers 23:39 Real client stories: investors, upgraders and divorce recovery 32:50 Key takeaways for brokers and how to get started with Skip

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

Are 20% deposits dead? Or is high LVR lending really too risky?

Jason Wylie has always been a high performer. But writing big numbers was never the actual goal.

In this episode of Broker Bulletin, the Director and Principal Broker at Loan Market Capital sits down with Alberto Gorgioski and gets candid about what building a business really looks like from the inside: the hires that changed everything, the leadership lessons that took years to land, and why culture will always beat volume when it comes to the long game.

His real goal? Building a company so well known, so trusted, and so good to work for that people come knocking on his door.

In this episode, you’ll hear:
Why a toxic high-performer is still a no, even if they write $100 million a year
The social media strategy turning cold calls into warm ones
The one hire every growing brokerage needs before they think they’re ready

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 at LMG.

Show notes:
01:12  The honest reality of hiring new-to-industry brokers: 12 months, cash flow hit, and what Jason is doing differently now
04:08  The hardest leadership lesson: not everyone is like you, and why that’s actually the point
05:00  The social media warm-call strategy: get referral partners following you before you pick up the phone
10:34  How Jason protects culture at interview stage, and why a toxic $100M writer still doesn’t get the job
15:23  The Head of Growth hire: why Jason is doubling down instead of pulling back
22:43  The one hire every growing brokerage needs, no matter what stage they’re at
28:39  What’s next for Loan Market Capital: book purchases, new brokers, commercial expansion

Jason Wylie has always been a high performer. But writing big numbers was never the actual goal.
In this episode of Broker Bulletin, the Director and Principal Broker at Loan Market Capital sits down with Alberto Gorgioski and gets candid about what building a business really looks like from the inside: the hires that changed everything, the leadership lessons that took years to land, and why culture will always beat volume when it comes to the long game.
His real goal? Building a company so well known, so trusted, and so good to work for that people come knocking on his door.
In this episode, you&rsquo;ll hear:
<ul>
<li>Why a toxic high-performer is still a no, even if they write $100 million a year</li>
<li>The social media strategy turning cold calls into warm ones</li>
<li>The one hire every growing brokerage needs before they think they&rsquo;re ready</li>
</ul>
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 podcast@lmg.broker.
You can also connect with us on Instagram @lmg.broker and on LinkedIn at LMG.
Show notes:
<ul>
<li>01:12&nbsp;&nbsp;The honest reality of hiring new-to-industry brokers: 12 months, cash flow hit, and what Jason is doing differently now</li>
<li>04:08&nbsp;&nbsp;The hardest leadership lesson: not everyone is like you, and why that&rsquo;s actually the point</li>
<li>05:00&nbsp;&nbsp;The social media warm-call strategy: get referral partners following you before you pick up the phone</li>
<li>10:34&nbsp;&nbsp;How Jason protects culture at interview stage, and why a toxic $100M writer still doesn&rsquo;t get the job</li>
<li>15:23&nbsp;&nbsp;The Head of Growth hire: why Jason is doubling down instead of pulling back</li>
<li>22:43&nbsp;&nbsp;The one hire every growing brokerage needs, no matter what stage they&rsquo;re at</li>
<li>28:39&nbsp;&nbsp;What&rsquo;s next for Loan Market Capital: book purchases, new brokers, commercial expansion</li>
</ul>

Why I tell my brokers to beat me (and why I’ll never let them)

Most brokers shy away from complex scenarios. Sue Vuong has built her whole career on them.

A chartered accountant turned mortgage broker, Sue has built her Perth-based business on the clients others turn away: the self-employed, the complex, the ones who've already heard no.

In the latest Broker Bulletin, Loan Market Chief Marketing Officer Angela Tracey sits down with Sue to unpack the mindset, systems, and real-world wins behind a broker who's built her whole reputation on being the trusted advisor in the room.

What you’ll takeaway:
Why honesty when things go wrong is your most powerful trust-building tool
How a partnership took her pipeline to exponential growth
Why the lowest interest rate isn’t always the goal



Like this episode? Leave a review — it helps us reach more brokers who need to hear it. Don't miss an episode: subscribe to Broker Bulletin on your favourite streaming service.

Most brokers shy away from complex scenarios. Sue Vuong has built her whole career on them. A chartered accountant turned mortgage broker, Sue has built her Perth-based business on the clients others turn away: the self-employed, the complex, the ones who've already heard no. In the latest Broker Bulletin, Loan Market Chief Marketing Officer Angela Tracey sits down with Sue to unpack the mindset, systems, and real-world wins behind a broker who's built her whole reputation on being the trusted advisor in the room. What you&rsquo;ll takeaway:
<ul>
<li>Why honesty when things go wrong is your most powerful trust-building tool</li>
<li>How a partnership took her pipeline to exponential growth</li>
<li>Why the lowest interest rate isn&rsquo;t always the goal </li>
</ul>
Like this episode? Leave a review &mdash; it helps us reach more brokers who need to hear it. Don't miss an episode: subscribe to Broker Bulletin on your favourite streaming service.

Chartered Accountant-turned-trusted Broker: how Sue Vuong wins complex deals

Most brokers look at gross revenue and think they're on track. MK says that's exactly the problem.

In this episode of Broker Bulletin, LMG's Denya Dean sits down with Michael Karpathakis, National Head of Business Performance at LMG, discussing what it takes to run a profitable, scalable broker business. No fluff. Just numbers, frameworks, and real examples. Including how one business stripped $470k from its P&L while still growing at 1.5x.

If you've ever said "I think we're doing okay" without actually checking the numbers, this one is for you.

In this episode, you'll hear:
The three monthly metrics that separate thriving brokerages from ones that just look busy
Why overstaffing is quietly killing profit margins
How to shift your mindset from broker to CEO


Like this episode? Leave a review — it helps us reach more brokers who need to hear it. Don't miss an episode: subscribe to Broker Bulletin on your favourite streaming service.

Most brokers look at gross revenue and think they're on track. MK says that's exactly the problem. In this episode of Broker Bulletin, LMG's Denya Dean sits down with Michael Karpathakis, National Head of Business Performance at LMG, discussing what it takes to run a profitable, scalable broker business. No fluff. Just numbers, frameworks, and real examples. Including how one business stripped $470k from its P&amp;L while still growing at 1.5x. If you've ever said "I think we're doing okay" without actually checking the numbers, this one is for you. In this episode, you'll hear:
<ul>
<li>The three monthly metrics that separate thriving brokerages from ones that just look busy</li>
<li>Why overstaffing is quietly killing profit margins</li>
<li>How to shift your mindset from broker to CEO</li>
</ul>
 Like this episode? Leave a review &mdash; it helps us reach more brokers who need to hear it. Don't miss an episode: subscribe to Broker Bulletin on your favourite streaming service.

Are 20% deposits dead? Or is high LVR lending really too risky?

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