Australian Broker Talk

When a lending scenario doesn't service or falls outside standard policy, does that mean the deal doesn't work – or does it simply need a different approach?

In the fourth episode of the Wave Money and Australian Broker podcast series, Wave Money Founder and Managing Director John Flavell joins Wendy Robertson, Head of Marketing, to explore the complex lending scenarios brokers encounter every day – and why some may deserve a second look.

From servicing and self-employed income to trusts, joint debts and changing borrower circumstances, John explains how looking beyond a standard servicing calculation or policy checklist can lead to a very different lending outcome.

The conversation gets practical as John and Wendy work through real-world broker scenarios, including self-employed borrowers without completed financials, business owners looking to purchase their commercial premises, ATO and business debt consolidation, refinancing private lending, cash out, and borrowers navigating separation or divorce.

They also explore why direct access to experienced credit decision-makers and a willingness to understand the complete borrower scenario can make all the difference.

In this episode:

• Why different servicing methodologies can change a lending outcome

• How Wave Money assesses existing debts, investment properties and credit card commitments

• Recognising sustainable income from self-employed and PAYG borrowers

• Alternative income verification using Accountant's Declaration, BAS and business banking

• Navigating trusts, company structures and joint debts

• Identifying commercial lending opportunities within an existing client base

• Refinancing ATO, business and private lending debt

• Cash out for business, investment and other legitimate purposes

• Finding lending solutions for borrowers navigating separation or divorce

• Why complex scenarios benefit from a conversation with Credit

The message for brokers is simple: If you have a deal on your desk that makes sense but doesn't fit neatly within another lender's servicing model or policy, talk to your Wave Money Broker Relationship Manager and workshop the scenario before you rule it out.

Featuring:

John Flavell – Founder & Managing Director, Wave Money

Wendy Robertson – Head of Marketing, Wave Money

About Wave Money

Wave Money is an independently owned, broker-exclusive non-bank lender built to deliver flexible, common-sense lending solutions for borrowers whose needs may not be met by traditional lenders. With a strong focus on broker partnerships, Wave Money provides direct access to credit decision-makers, scenario workshopping, and a relationship-led approach to lending.

Connect with Wave Money

www.wavemoney.com.au

linkedin.com/company/wavemoneyaustralia/

Could your next commercial lending opportunity already be sitting in your client book?

In this episode of the Australian Broker Talk podcast, produced in partnership with Wave Money, Mark Petterwood of Astute Financial Geelong joins Wave Money Founder and Managing Director John Flavell and Head of Marketing Wendy Robertson for a practical deep dive into Small Ticket Commercial lending.

Rather than talking theory, Mark takes us inside two recent client scenarios.

First, a successful self-employed business owner who had been renting his business premises for years gets the opportunity to purchase the property from his father.

Then, a 19-year-old apprentice takes his first step into property investment by purchasing a tenanted commercial property.

John and Mark unpack how the deals were approached, the challenges that emerged and why commercial lending doesn’t always need to be as complicated as brokers might think.

They also explore the opportunities that may already exist within brokers’ client bases – from small business owners looking to purchase the premises they operate from to residential investors considering commercial property.

In this episode:

• Two real Small Ticket Commercial deals

• Finding commercial opportunities within existing client relationships

• Helping business owners move from renting to owning

• Commercial property opportunities for existing investor clients

• Full Doc, Alt Doc and Lease Doc options

• Why workshopping a scenario early can make a difference

• Building commercial lending confidence without becoming a commercial specialist

Featuring:

Mark Petterwood – Astute Financial Geelong

John Flavell – Founder & Managing Director, Wave Money

Wendy Robertson – Head of Marketing, Wave Money

About Wave Money

Wave Money is an independently owned, broker-exclusive non-bank lender built to deliver flexible, common-sense lending solutions for borrowers whose needs may not be met by traditional lenders. With a strong focus on broker partnerships, Wave Money provides direct access to credit decision-makers, scenario workshopping, and a relationship-led approach to lending.

Connect with Wave Money

www.wavemoney.com.au

linkedin.com/company/wavemoneyaustralia/

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Complex is no longer the exception – it’s the norm.

In this episode, we explore how brokers are navigating increasingly nuanced lending scenarios and why more are partnering with Wave Money to get deals done.

In this first episode of the Australian Broker & Wave Money Partner Profile Podcast Series, we explore a key shift shaping today’s lending landscape, the rise of more nuanced and complex borrower scenarios.

From self-employed income and trust structures through to multi-entity investors and evolving borrower profiles, brokers are increasingly navigating deals that require a more flexible, common-sense approach to credit.

Hosted by Wendy Robertson (Head of Marketing), this episode features a conversation with John Flavell (Founder & Managing Director) and Adam Robson (Senior Broker Relationship Manager).

Together, they unpack:

Why borrower complexity is becoming the norm, not the exception

How Wave Money approaches credit differently through context and conversation

The role of broker-lender partnerships in delivering better client outcomes

Real-life scenarios where flexible thinking made the difference

How brokers can navigate servicing challenges and maximise borrowing capacity

Why trust lending and structured lending solutions remain a key focus

About Wave Money

Wave Money is an independently owned, broker-exclusive non-bank lender built to deliver flexible, common-sense lending solutions for borrowers whose needs may not be met by traditional lenders. With a strong focus on broker partnerships, Wave Money provides direct access to credit decision-makers, scenario workshopping, and a relationship-led approach to lending.

Connect with Wave Money

https://www.wavemoney.com.au

linkedin.com/company/wavemoneyaustralia/

Connect with the Speakers

John Flavell – https://www.linkedin.com/in/johnflavell/

Adam Robson – https://www.linkedin.com/in/adam-robson

Wendy Robertson – https://www.linkedin.com/in/wendy-robertson

Complex is no longer the exception – it’s the norm. In this episode, we explore how brokers are navigating increasingly nuanced lending scenarios and why more are partnering with Wave Money to get deals done.

In this first episode of the Australian Broker & Wave Money Partner Profile Podcast Series, we explore a key shift shaping today’s lending landscape, the rise of more nuanced and complex borrower scenarios.

From self-employed income and trust structures through to multi-entity investors and evolving borrower profiles, brokers are increasingly navigating deals that require a more flexible, common-sense approach to credit.

Hosted by Wendy Robertson (Head of Marketing), this episode features a conversation with John Flavell (Founder & Managing Director) and Adam Robson (Senior Broker Relationship Manager).

Together, they unpack:

· Why borrower complexity is becoming the norm, not the exception

· How Wave Money approaches credit differently through context and conversation

· The role of broker-lender partnerships in delivering better client outcomes

· Real-life scenarios where flexible thinking made the difference

· How brokers can navigate servicing challenges and maximise borrowing capacity

· Why trust lending and structured lending solutions remain a key focus

About Wave Money

Wave Money is an independently owned, broker-exclusive non-bank lender built to deliver flexible, common-sense lending solutions for borrowers whose needs may not be met by traditional lenders. With a strong focus on broker partnerships, Wave Money provides direct access to credit decision-makers, scenario workshopping, and a relationship-led approach to lending.

Connect with Wave Money

www.wavemoney.com.au

linkedin.com/company/wavemoneyaustralia/

Connect with the Speakers John Flavell – www.linkedin.com/in/johnflavell

Adam Robson – www.linkedin.com/in/adam-robson

Wendy Robertson – www.linkedin.com/in/wendy-robertson

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