Your Broker Admin

This week on Your Broker Admin, I'm joined in the YBA chat room by Joel Wyld, mortgage broker and co-founder of Accurateli, to explore why self-employed lending can be so challenging and what prompted him to do something about it.

From running his own broking business to building a technology company, Joel brings an interesting perspective on the challenges facing Brokers and their self-employed clients.

October 21 takes us from a remarkable discovery in maritime exploration to a pioneering nurse whose contribution to statistics might surprise you.

Joel's journey from mortgage broking into technology started with a problem he believed needed solving.

We talk about the thinking behind Accurateli, how it's changing the approach to self-employed income assessments and some of the challenges Joel encountered bringing the technology to market.

Along the way, Joel shares some candid observations about self-employed lending, the role of technology in broking and what he's learned from building a second business.

And apparently, being a mortgage broker wasn't quite enough to keep him busy.

Find out more about Accurateli:

https://accurateli.com/

Fortnight Ending 16 October 2026

The past fortnight delivered:

• • Substantial interest savings across the loan books
  • New lending opportunities
  • Two very different client outcomes that highlight why regular reviews matter

One involved a loan previously considered too difficult to revisit, while the other reinforced the value of an established client relationship, even without an immediate financial outcome.

Just because something is difficult doesn't necessarily mean there isn't a better way.

Whether it's assessing self-employed income, revisiting an existing loan or finding a different approach to an old problem, sometimes it's worth challenging how things have always been done.

Are self-employed loan applications genuinely too difficult? What if there was an easier way?

Joel shares his perspective on the challenges, the technology and the lessons learned from developing a solution.

Add in some substantial review outcomes and another History Bite, and there's plenty to explore in this episode.

Got something to add?

You can now send questions, loan review scenarios, topic ideas, or guest suggestions via the Contact the Show page.

👉 https://subscribepage.io/PMmHTL

I read every submission, and where it makes sense, I’ll either reply directly or bring it onto a future episode.

If you’re getting value from the podcast, a follow on Spotify or a review on Apple Podcasts or Podchaser helps other brokers and admin teams find the show.

This week’s episode of Your Broker Admin catches up on three weeks of loan reviews, with some substantial results doing plenty of the talking and a couple of client conversations showing there’s more to a review than the immediate outcome.

🧠 History Bite

October 7 takes us from a significant battle on the waters of the Mediterranean to a feline stage show that became one of musical theatre’s biggest success stories.

🎯 Reviews Wrap-Up

Period Ending 2 October 2026

There’s been plenty happening over the past three weeks, with:

• Significant interest savings across the book

• A strong pipeline of new lending opportunities

• Client conversations that went well beyond the initial review outcome

There’s also a recurring theme among loans originally written with LMI, where changing property values and lower LVRs are creating opportunities that might otherwise remain hidden.

The Big Picture

Sometimes a review uncovers an immediate saving or a lending opportunity.

Sometimes it starts a conversation.

And sometimes it starts a relationship.

Ready to Listen?

If you want to see what can emerge from simply going back and reviewing existing client loans, this episode offers plenty of examples of why the outcome isn’t always where the value ends.

Got something to add?

You can now send questions, loan review scenarios, topic ideas, or guest suggestions via the Contact the Show page.

👉 https://pmmhtl.subscribepage.io/

I read every submission, and where it makes sense, I’ll either reply directly or bring it onto a future episode.

If you’re getting value from the podcast, a follow on Spotify or a review on Apple Podcasts or Podchaser helps other brokers and admin teams find the show.

This week’s episode of Your Broker Admin asks what makes a great Loan Officer, with Senior Loan Officer Sonal Rajani from Jabsons Finance joining me in the YBA chat room to share what she’s learned along the way.

With eight years in the industry, several industry awards and recognition as a high performer, Sonal brings plenty of experience to the conversation.

September 16 brings together two very different moments in American history, separated by exactly 300 years.

Sonal’s journey is anything but conventional. From fashion design and organising destination weddings in India to becoming an award-winning Senior Loan Officer in Australia.

We talk about that journey, with Sonal sharing the habits and skills that have shaped her approach, along with what she’s learned along the way about becoming a great Loan Officer.

And just maybe, Dad got his way after all?

Week Ending 11 September 2026

It’s back to business as usual this week with:

• Interest savings across the book

• A client conversation with a strong Broker advocate

Sometimes the value of a review goes beyond the immediate outcome. This week provided a nice reminder that the service doesn’t finish at settlement.

Being a great Loan Officer is about more than managing the process. It’s about taking ownership, treating clients like they’re your own and making sure nothing slips through the cracks.

Whether you’re an experienced Loan Officer or relatively new to the Broker Admin role, Sonal shares plenty from her own experience, including some valuable nuggets for those still finding their feet in the role.

If you want to hear what an award-winning Loan Officer has learned along the way, this episode is worth a listen.

Got something to add?

You can now send questions, loan review scenarios, topic ideas, or guest suggestions via the Contact the Show page.

👉 https://subscribepage.io/PMmHTL

I read every submission, and where it makes sense, I’ll either reply directly or bring it onto a future episode.

If you’re getting value from the podcast, a follow on Spotify or a review on Apple Podcasts or Podchaser helps other brokers and admin teams find the show.

This week’s episode of Your Broker Admin looks at what can happen when you revisit existing client loans, alongside the latest Reviews Wrap-Up, the impending disappearance of Suncorp and the regular History Bite.

🧠 History Bite

September 9 brings together a king who chose the wrong side and a major step forward in capturing historical moments.

🎯 Reviews Wrap-Up

Week Ending 4 September 2026

This week’s reviews delivered:

• A compelling outcome from proactively revisiting existing client loans

• A client conversation highlighting how much circumstances can change over time

A lender’s previous best offer isn’t necessarily their best offer today. And much like lender pricing, a client’s circumstances don’t stand still either.

🐪 Humpday Helper

This week’s Humpday Helper confirms the departure of Suncorp.

And yes, there may be just a little opinion thrown into this particular lender update.

The Big Picture

Pricing changes. Circumstances change. Priorities change.

Things change. That’s why we review.

Ready to Listen?

If you want a pretty compelling example of what can happen when a Broker gets on the front foot with repricing, along with some thoughts on the impending disappearance of Suncorp, this episode is worth a listen.

Got something to add?

You can now send questions, loan review scenarios, topic ideas, or guest suggestions via the Contact the Show page.

👉 https://pmmhtl.subscribepage.io/

I read every submission, and where it makes sense, I’ll either reply directly or bring it onto a future episode.

If you’re getting value from the podcast, a follow on Spotify or a review on Apple Podcasts or Podchaser helps other brokers and admin teams find the show.

This week’s episode of Your Broker Admin asks whether client reviews really need big wins to add value, featuring the latest Reviews Wrap-Up, an important ANZ Broker Portal update and the regular History Bite.

🧠 History Bite

September 2 takes us from a city-changing disaster to the curious case of eleven days that simply vanished from the calendar.

🎯 Reviews Wrap-Up

Week Ending 28 August 2026

The reviews delivered:

• Interest savings and new lending opportunities

• Client conversations around possibilities and future plans

Nothing spectacular. Nothing groundbreaking. Just BAU doing what BAU is supposed to do.

🐪 Humpday Helper

This week’s Humpday Helper looks at the new ANZ Broker Portal support staff access system, including how the setup works and what you need to know when providing access across multiple Brokers.

The new ANZ Broker Portal can be accessed here:

https://broker.anz.com/brokerlogin

The Big Picture

Client reviews don’t always need a big win to add value. Sometimes the value is simply in the outcomes, conversations and opportunities that come from doing the basics consistently.

Ready to Listen?

If you want practical examples of what consistent client reviews can produce, along with some hard-earned clarity on navigating ANZ’s new Broker Portal support staff setup, this episode is worth a listen.

Got something to add?

You can now send questions, loan review scenarios, topic ideas, or guest suggestions via the Contact the Show page.

👉 https://pmmhtl.subscribepage.io/

I read every submission, and where it makes sense, I’ll either reply directly or bring it onto a future episode.

If you’re getting value from the podcast, a follow on Spotify or a review on Apple Podcasts or Podchaser helps other brokers and admin teams find the show.

This week’s episode of Your Broker Admin brings together the latest Reviews Wrap-Up, a practical ME Bank update and the regular History Bite.

August 26 brings together a remarkable prediction from the world of astronomy and the launch of a small car that became a motoring classic.

Week Ending 21 August 2026

The reviews delivered:

• Interest savings across the book
• Client conversations that reinforced the importance of staying connected as life changes

The week was a reminder of what clients could be missing when regular reviews become inconsistent.

🐪 Humpday Helper

This week’s Humpday Helper looks at ME Bank’s new cashback offer for eligible borrowers who are required to take out LMI.

The offer provides a cashback payment for eligible applications, with a few key requirements to be aware of around lending amounts, LVR and settlement timeframes.

Consistency doesn’t always create an immediate result. Sometimes it creates the opportunity for the right conversation at the right time.

If you want practical insights, real client conversations and a reminder that consistency isn’t just about maintaining relationships, it’s about protecting client outcomes, this episode is worth a listen.

Got something to add?

You can now send questions, loan review scenarios, topic ideas, or guest suggestions via the Contact the Show page.

👉 https://pmmhtl.subscribepage.io/

I read every submission, and where it makes sense, I’ll either reply directly or bring it onto a future episode.

If you’re getting value from the podcast, a follow on Spotify or a review on Apple Podcasts or Podchaser helps other brokers and admin teams find the show.

This week’s episode of Your Broker Admin welcomes Cynario co-founder & CEO Michael Richardson back to the YBA chat room for his latest quarterly update.

If collating information for client reviews is taking up valuable time, Cynario’s latest functionality could provide a solution. But that’s only one part of a much broader conversation about where AI is heading in mortgage broking and how it can be used to solve genuine workflow problems.

https://www.cynario.ai/

August 19 brings together two examples of opening new possibilities, from predicting what was yet to be discovered to opening a border that had divided people for decades.

Michael takes us through some of the latest developments at Cynario, including:

• New functionality designed to simplify the client review and marketing process
• The move from traditional chatbot technology towards agentic AI
• How AI is being applied to increasingly complex policy research
• Growing lender adoption and internal applications of the technology
• Why solving the workflow problem comes before reaching for the AI solution

And if you’ve ever wondered what Jack Russells and Border Collies have to do with AI, Michael can enlighten you on that too.

Week Ending 14 August 2026

After the interview, we move into the latest Reviews Wrap-Up, featuring interest savings, new lending opportunities and a relationship-building client conversation.

The use of AI should really be about identifying where it can remove workflow roadblocks, create efficiencies and leave more time for the parts of the process where human involvement adds the most value.

If you’re interested in where AI is heading in mortgage broking, how it could reduce the time spent on everyday processes and what Cynario is building next, this episode is worth a listen.

Got something to add?

You can now send questions, loan review scenarios, topic ideas, or guest suggestions via the Contact the Show page.

👉 https://subscribepage.io/PMmHTL

I read every submission, and where it makes sense, I’ll either reply directly or bring it onto a future episode.

If you’re getting value from the podcast, a follow on Spotify or a review on Apple Podcasts or Podchaser helps other brokers and admin teams find the show.

This week’s episode of Your Broker Admin explores whether waiting for clients to be ready could be costing you, featuring the latest Reviews Wrap-Up, a practical Beyond Bank update and another History Bite.

Clients don’t always need to be ready to act today. Sometimes the most valuable conversations happen well before a decision needs to be made.

August 12 brings together examples of innovation and one seemingly godly event.

Week Ending 7 August 2026

This week’s reviews delivered:

• Interest savings across the book
• A lending opportunity around downsizing as an investment strategy
• Valuable client conversations focused on planning ahead

Opportunities don’t always come from the client being ready to act immediately. Sometimes they come from having the conversation early, understanding what they want to achieve and creating time to explore the options available.

🐪 Humpday Helper

This week’s Humpday Helper looks at Beyond Bank being open for pre-approvals again.

Being ready isn’t always about taking action immediately. Sometimes it’s simply starting the conversation early enough to understand what’s possible when the time is right.

If you want practical insights, real client conversations and examples of how starting the conversation early can create better outcomes, this episode is worth a listen.

Got something to add?

You can now send questions, loan review scenarios, topic ideas, or guest suggestions via the Contact the Show page.

👉 https://pmmhtl.subscribepage.io/

I read every submission, and where it makes sense, I’ll either reply directly or bring it onto a future episode.

If you’re getting value from the podcast, a follow on Spotify or a review on Apple Podcasts or Podchaser helps other brokers and admin teams find the show.

This week’s episode of Your Broker Admin explores how our own perception of situations can shape the way we view what’s possible, featuring the latest Reviews Wrap-Up and another History Bite.

This week’s Reviews Wrap-Up features some small sweet fish and client conversations that challenge the Chicken Little effect, highlighting why taking the time to understand the full picture can change the outcome.

August 5 brings two very different examples of confronting unjust authority and the significant consequences that can follow.

Week Ending 31 July 2026

This week’s reviews delivered:

• Interest savings
• Client conversations that challenged the Chicken Little effect
• A reminder that taking the time to understand the full picture can change the outcome

Sometimes the full picture only becomes clear when we take the time to listen. The opportunity often comes from the conversation itself.

It’s easy to focus on the worst-case scenario. But consistent conversations and a willingness to look deeper can often reveal a different perspective.

If you want practical insights, real client conversations and examples of how opportunities can come from simply creating space for the conversation, this episode is worth a listen.

Got something to add?

You can now send questions, loan review scenarios, topic ideas, or guest suggestions via the Contact the Show page.

👉 https://pmmhtl.subscribepage.io/

I read every submission, and where it makes sense, I’ll either reply directly or bring it onto a future episode.

If you’re getting value from the podcast, a follow on Spotify or a review on Apple Podcasts or Podchaser helps other brokers and admin teams find the show.

This week’s episode of Your Broker Admin tackles a confusing NAB home loan update around repayment frequencies and direct debits, while highlighting how consistent review conversations can uncover opportunities and strengthen client relationships.

July 29 brings two very different examples of formidable forces - from a battle that changed the course of history, to a movement that inspired generations around the world.

Week Ending 24 July 2026

This week’s reviews delivered:

• Interest savings across the book
• A lending opportunity that could easily have been missed
• Thought-provoking client conversations that highlighted the value of consistent review conversations

An opportunity that wasn’t uncovered by chance. It came from creating regular opportunities for clients to talk through their circumstances beyond the original loan.

This week’s Humpday Helper provides some clarification around NAB’s recent communications on home loan repayment frequencies and Direct Debits.

If clients are asking about weekly repayments, understanding how these changes are handled allows you to provide clarity and better manage expectations.

Consistency isn’t just about keeping a process running. It’s about creating the opportunities for better conversations and being prepared when circumstances change.

Whether it’s uncovering a lending opportunity through regular review conversations or helping clients navigate lender updates, the value comes from being present, informed and ready to respond.

If you want practical insights, real client conversations and lender updates explained in a way that helps you manage the conversation with clients, this episode is worth a listen.

Got something to add?

You can now send questions, loan review scenarios, topic ideas, or guest suggestions via the Contact the Show page.

👉 https://pmmhtl.subscribepage.io/

I read every submission, and where it makes sense, I’ll either reply directly or bring it onto a future episode.

If you’re getting value from the podcast, a follow on Spotify or a review on Apple Podcasts or Podchaser helps other brokers and admin teams find the show.