I Love Mortgage Brokering

If you're building a mortgage business, this episode will flip your mindset on what real scale looks like. Here’s what you’ll learn: Why hiring more agents might be the worst way to scale—and what to do instead. How one 15-minute phone call can power 500 deals a year (without burnout). The $10K decision that helped Renee buy back 100+ days a year with her family. I’m Scott Peckford, founder of I Love Mortgage Brokering and BRX Mortgage. The #1 podcast for mortgage brokers and LO’s who want to scale their business.  On this show, I talk to top-performing mortgage brokers about the strategies and systems that actually work—so you can scale your business with less stress and more freedom. To follow Renée, you can check out the links below: Instagram Facebook LinkedIn YouTube https://spiremortgage.ca/   Follow Scott on Instagram: www.instagram.com/scottpeckford/ I Love Mortgage Brokering: www.ilovemortgagebrokering.com Find out more about BRX Mortgage: www.whybrx.com   Join my newsletter!   I Love Mortgage Brokering is in partnership with Ownwell. To learn more, visit: ownwell.ca  

What if your past clients could generate consistent leads—for you and your referral partners—every single month?   Dan MacDonald, CEO and co-founder of Ownwell, joins us to talk about how his journey from comic book artist to tech entrepreneur led him to build one of the most powerful homeowner engagement tools in Canada. Ownwell helps brokers stay top of mind and turn client databases into a lead-generating machine.   In this episode, we’ll cover:   The Origin of Ownwell – Why Dan built a Canadian version of Homebot to help brokers maintain relationships and drive repeat business What Brokers Are Doing Wrong – Most brokers send boring, irrelevant content to past clients. Ownwell changes that with highly personalized reports. What Makes Ownwell Work – With open rates as high as 80%, brokers can stay top-of-mind by showing clients their home equity, buying power, and more. Adopt My Mortgage – A new feature that lets brokers co-market with referral partners and access their databases to generate leads. Mindset of Top Performers – Don’t overthink it—just enroll your clients and start the conversations. The brokers who win are the ones who take action.   Want to turn your past client database into a steady stream of mortgage leads? Go to ownwell.ca, use code ILMB100 at checkout to waive the $100 setup fee, and claim one of the remaining limited spots for the “Adopt My Mortgage” feature!   To follow Dan, you can check out the links below: https://ownwell.ca/ LinkedIn   Follow Scott on Instagram: www.instagram.com/scottpeckford/ I Love Mortgage Brokering: www.ilovemortgagebrokering.com Find out more about BRX Mortgage: www.whybrx.com Join my newsletter! I Love Mortgage Brokering is in partnership with Ownwell. To learn more, visit: ownwell.ca.

What’s the difference between being a mortgage agent and running a mortgage business—and how can making the shift double your success?   In this episode, Kristen shares how changing her mindset from agent to business owner transformed her career. She dives into lead generation, client retention, and automation strategies that helped her scale her business while working smarter.   We’ll cover: The Mindset Shift – How acting like a business owner (not just an agent) changed everything. Building a Lead Machine – Using CRM automation, social media, and Google Business to drive referrals. The Power of Follow-Up – How consistent client touchpoints turn past clients into repeat and referral business. Scaling with Efficiency – Leveraging an assistant, AI, and automation to manage high volume without burnout. Investing in U.S. Real Estate – How Kristen helps Canadians buy and refinance properties in the U.S.   If you want to connect with Kristen, you can check out her links below:   Instagram Facebook LinkedIn https://www.mergemortgage.ca/   Follow Scott on Instagram: www.instagram.com/scottpeckford/ I Love Mortgage Brokering: www.ilovemortgagebrokering.com Find out more about BRX Mortgage: www.whybrx.com   Join my newsletter!   I Love Mortgage Brokering is in partnership with Ownwell. To learn more, visit: ownwell.ca In this episode of the I Love Mortgage Brokering podcast, I chat with Kristen Young, a seasoned mortgage broker. We dive into the pivotal mindset shift that doubled her business, the power of leveraging technology, and the importance of nurturing client relationships. Kristen recounts her unique start in the industry, doing her first deal while in the hospital, and how strategic partnerships have fueled her success. If you're a mortgage broker eager to elevate your business and embrace a growth mindset, this episode is packed with insights and inspiration.   Here are the talking points we covered: The critical mindset shift from agent to business owner that transformed Kristen's business. The role of technology and CRM systems in streamlining processes and enhancing client communication. The impact of market changes on investment opportunities. The importance of maintaining a strong online presence and reputation through social media and Google reviews. Innovative approaches to client engagement. Insights on working with foreign nationals and the unique challenges and opportunities in the US mortgage market. The significance of taking action and learning from mistakes in business growth.

Is your mortgage business struggling because of tactics—or is your mindset the real problem? In this episode, I share a powerful mindset shift that has helped mortgage brokers break through plateaus and take massive action in their businesses. If you’ve ever felt stuck, this one change could be the key to unlocking your success. We’ll cover: Tactics vs. Mindset – Why knowing what to do isn’t enough if your “why” isn’t strong enough. Two Broker Transformations – How a struggling broker turned things around simply by changing his motivation. The "7 Levels Deep" Exercise – A strategy to uncover your real driving force for success. Why "Freedom" Isn't the Answer – The truth about why most brokers don’t get freedom right away. Taking Action Now – How to stop procrastinating and make meaningful progress today. Try the 7 Levels Deep exercise: https://www.7levelsdeep.com/ Subscribe to my newsletter for the most useful insights in the mortgage business! Join my newsletter! Follow Scott on Instagram: www.instagram.com/scottpeckford/ I Love Mortgage Brokering: www.ilovemortgagebrokering.com Find out more about BRX Mortgage: www.whybrx.com   I Love Mortgage Brokering is brought to you by Finmo.  To learn more, visit: www.finmo.ca/ilmb   Hey, it's Scott Peckford, and in this episode, I'm diving into the one game-changing factor that separates struggling mortgage brokers from those who take off. Spoiler: it's not your tactics, brokerage, or scripts—it's your why. I share two powerful stories of brokers who completely transformed their businesses simply by shifting their mindset. Plus, I’ll walk you through an exercise called Seven Levels Deep to help you uncover your true motivation. If you've ever felt stuck or struggled to take action, this episode is for you. Here are the talking points we covered: Why tactics and strategies alone won’t grow your mortgage business The mindset shift that turns struggling brokers into top performers Two real-life examples of brokers who found their why and skyrocketed The Seven Levels Deep exercise to uncover your true motivation Why emotional leverage is the key to overcoming procrastination The biggest misconception about “freedom” in the mortgage business

How can mortgage brokers grow their business without paid ads—just through networking and relationships? In today’s episode, I talk with Jasmine Srnicek, a mortgage broker from London, Ontario, and she shares how she transitioned from project management to full-time brokering, built a strong referral network, and keeps clients engaged through genuine relationships and follow-up strategies. We’ll cover: Making the Leap to Full-Time Brokering – How Jasmine knew it was time to leave her corporate job. The Power of Networking – How attending events, following up, and tracking connections led to consistent business. Building Strong Referral Relationships – Why realtors and financial planners trust her, and how she nurtures those partnerships. Client Experience & Follow-Up – Personal touches, video messages, and small gestures that make a big impact. Staying Positive & Productive – The mindset and time management habits that help her stay organized and motivated. To connect with Jasmine, you can check out the links below: Instagram LinkedIn Facebook jasmortgages.ca Join my email list! https://linktr.ee/scottypeckford   Follow me on Instagram: www.instagram.com/scottpeckford/ I Love Mortgage Brokering: www.ilovemortgagebrokering.com Find out more about BRX Mortgage: www.whybrx.com   I Love Mortgage Brokering is in partnership with Ownwell. To learn more, visit ownwell.ca.    We've created a special coupon that ILMB listeners can enter at checkout to save the setup fee on our annual plan ($100 savings): ILMB100 In this episode, I chat with Jasmine Srnicek, a London, Ontario mortgage broker who built a thriving business through networking, not paid ads. She shares her transition from project management, strategies for strong referral partnerships, and the power of personal touches. We also discuss staying positive, organized, and generating business—even in slow times.   Here are the talking points we covered:   Transitioning from a corporate job to full-time mortgage brokering The power of networking and follow-up strategies Building strong referral relationships with realtors and financial planners How small personal touches (video messages, thank-you gestures) create client loyalty Effective time management and staying productive Using a simple tracking system to maintain connections and generate new business How positivity and mindset play a key role in success

How can Canadians easily invest in U.S. real estate without the usual banking headaches? Today we are joined by Mayer Dallal and Ronen Fishman from MBanc to discuss how Canadian investors can now access financing solutions for purchasing and refinancing U.S. investment properties. We’ll cover: Why Traditional Banks Fail Canadians – The challenges Canadians face when securing U.S. mortgages. MBank’s Unique Loan Program – A simplified process designed specifically for Canadian investors. Investment & Refinancing Opportunities – How to leverage existing U.S. properties for new purchases. Avoiding Costly Mistakes – Tax implications, currency exchange, and the benefits of working with experts. How Brokers Can Benefit – A streamlined referral process that helps Canadian mortgage brokers serve more clients. If you’re a Canadian looking to invest in U.S. real estate, or a mortgage broker wanting to help clients access these opportunities, you can reach out to Ronen and Mayer through their email below: ronen@mbanc.com mayer@mbanc.com https://mbanc.com/ilmb/   Follow Scott on Instagram: www.instagram.com/scottpeckford/ I Love Mortgage Brokering: www.ilovemortgagebrokering.com Find out more about BRX Mortgage: www.whybrx.com   I Love Mortgage Brokering is in partnership with Ownwell. To learn more, visit ownwell.ca.  Hey guys, in this episode, I’m sitting down with Mayer and Ronen from Mbanc to talk about a game-changing opportunity for Canadian investors looking to buy property in the U.S. We dive into how they identified a massive gap in foreign national lending and created a seamless mortgage solution tailored specifically for Canadians. Mayer shares his incredible journey from starting in the banking business as a teenager to owning a mortgage bank, while Ronen talks about how his background in Canadian real estate led him to partner with Mbanc.   We break down the ins and outs of the loan process, how Canadians can leverage equity from their existing U.S. properties, and why refinancing can be a smarter move than selling—especially considering foreign exchange rates and tax implications.   Here are the talking points we covered: How Mayer and Ronen built a mortgage solution for Canadians buying U.S. property The gap in the market: why Canadian investors were underserved The benefits of refinancing vs. selling U.S. properties Key tax implications and foreign exchange strategies for Canadian investors How Canadian mortgage brokers can use this program to grow their business The step-by-step process for getting a U.S. mortgage through Mbanc

How can mortgage brokers manage their time effectively while growing their business? In this episode, I share my proven time management strategy, the "Ideal Workweek," which has helped me and countless mortgage brokers stay productive, reduce stress, and achieve better work-life balance. We will cover: The Ideal Workweek Framework – How to design a structured weekly schedule to maximize productivity. Time Blocking for Success – Planning work start/end times, client meetings, and personal commitments. Eliminating Distractions – Cutting out non-essential tasks to focus on what truly moves the needle. Batching Work for Efficiency – How grouping tasks and creating themed weeks can boost performance. Leveraging Ownwell for Client Engagement – A tool that helps brokers stay top-of-mind with homeowners. Want to start working smarter? Get my Ideal Workweek template and other mortgage business resources by joining my newsletter.  Join my newsletter! Ideal Workweek template Follow Scott on Instagram: www.instagram.com/scottpeckford/ I Love Mortgage Brokering: www.ilovemortgagebrokering.com Find out more about BRX Mortgage: www.whybrx.com   I Love Mortgage Brokering is in partnership with Ownwell. To learn more, visit ownwell.ca.    Here are the talking points we covered: The concept of the Ideal Work Week and its benefits. Steps to create an Ideal Work Week: Set your start and end times Determine your total weekly work hours Identify key priorities Eliminate low-priority tasks Map your schedule Incorporating essential activities like workouts, family time, and mindset practices. The importance of reviewing and adjusting the schedule regularly. Leveraging themes in your schedule for batching tasks efficiently. In this episode of the I Love Mortgage Brokering podcast, I share my go-to strategy for mastering time management: the Ideal Work Week. I explain how this tool can help mortgage brokers create structure, prioritize essential tasks, and make room for client meetings to family time. Whether you’re overwhelmed by a packed schedule or just looking to improve efficiency, this episode will help you take control of your time and business.

What does it take to build a mortgage brokerage that stands out, scales, and stays profitable? In this special Q&A episode, part of the BRX National Summit last January, I answer rapid-fire questions about business growth, industry challenges, and personal insights—including my biggest lessons, the future of BRX, and why I’m not buying a Cybertruck. We’ll cover: No Regrets, Only Lessons – I view failures as experiments, focusing on what can be learned rather than looking back. Scaling BRX Mortgage – The unexpected challenges of rapid growth and why strong operations are crucial. The Future of Mortgage Brokers – Why value creation beats rate competition, and how referral-based models will dominate. Beyond Mortgages – My thoughts on BRX expanding into insurance, private lending, and even crossing into the U.S. market. The Power of Relationships – How partnerships and personal connections fuel BRX’s success and industry influence.   Follow me on Instagram: www.instagram.com/scottpeckford/ I Love Mortgage Brokering: www.ilovemortgagebrokering.com Find out more about BRX Mortgage: www.whybrx.com   I Love Mortgage Brokering is in partnership with Ownwell. To learn more, visit ownwell.ca.  What does it take to build a standout mortgage brokerage, scale it, and stay profitable? In this special Q&A episode from the BRX National Summit, I answer rapid-fire questions on business growth, industry challenges, and personal insights—including my biggest lessons, the future of BRX, and why I’m not buying a Cybertruck.   Here are the talking points we covered: No Regrets, Only Lessons – Viewing failures as experiments and learning from them. Scaling BRX Mortgage – The unexpected challenges of rapid growth. The Future of Mortgage Brokers – Why value creation beats rate competition. Beyond Mortgages – Potential expansion into insurance, private lending, and the U.S. market. The Power of Relationships – How partnerships fuel BRX’s success.

Want to build a mortgage business that attracts leads online? How do you turn SEO, blogging, and social media into a lead-generating machine for your mortgage business? Today we’re joined by Andrew Thake, a top mortgage broker in Ottawa. He shares how he built a thriving mortgage business by mastering SEO, blogging, and now social media—growing his Instagram to 11,000+ followers and closing 180 deals a year. In this episode, we will cover: SEO & Blogging Success – How writing daily blogs helped Andrew rank at the top of Google and generate 70% of his business online. Jumping Into Social Media – Why he committed to video content, built a studio, and started posting consistently. Content Strategy That Works – How he finds topics, writes scripts, and uses ChatGPT to refine hooks and ideas. Video Production & Posting – The process behind creating two to three engaging videos per week. The Long Game of Branding – Why social media isn’t just for leads but for retention, referrals, and long-term growth. To connect with Andrew, you can check out his socials: Instagram andrewmortgage.com   Follow me on Instagram: www.instagram.com/scottpeckford/ I Love Mortgage Brokering: www.ilovemortgagebrokering.com Find out more about BRX Mortgage: www.whybrx.com   I Love Mortgage Brokering is in partnership with Ownwell. To learn more, visit ownwell.ca.    Imagine growing your social media following from just 700 to 11,000 in only eight months. Sounds unreal, right? Well, today's guest, Andrew Thake, did exactly that—and he's breaking down his entire process. Andrew, a veteran mortgage broker, decided to dive into social media, and the results have been game-changing. In this episode, we talk about how he creates content, finds inspiration, and balances social media with running a successful business. If you're looking to grow your online presence, this one's for you! Here are the talking points we covered: How Andrew skyrocketed his social media following in just eight months The shift from blogging to video content: what worked and what didn’t The importance of consistency in building an online presence Where to find content ideas (Google trends, AI tools, industry trends) Andrew’s process for scripting, filming, and editing videos How social media plays into brand awareness and client retention Balancing social media with running a mortgage business The role of AI in content creation and brainstorming

How will Trump's tariffs and potential rate cuts shape the mortgage market, and what should brokers be doing to stay ahead? Today we’re joined by Dave LaRock, returning mortgage expert and writer at Integrated Mortgage Planners. We break down the latest economic shifts, including tariffs, inflation, and interest rates, and what they mean for mortgage brokers and homebuyers. In this episode, we’ll cover: Tariffs and Interest Rates: How new U.S. tariffs could lead to rate cuts in Canada and what that means for borrowers. The Bank of Canada’s Next Moves: Why history suggests policy rates could drop to 2% or lower. Refinancing Opportunities: A unique window where bank penalties are lower than usual, making refinancing more attractive. Fixed vs. Variable Debate: Why variable rates may be cheaper long-term but come with risks borrowers should understand. What’s Next for Housing?: Predictions on home prices, new construction, and the impact of economic uncertainty. To connect with Dave, you can check out the links below: Instagram Facebook LinkedIn morplan.ca www.integratedmortgageplanners.com/blog/   Follow me on Instagram: www.instagram.com/scottpeckford/ I Love Mortgage Brokering: www.ilovemortgagebrokering.com Find out more about BRX Mortgage: www.whybrx.com   I Love Mortgage Brokering is in partnership with Ownwell. To learn more, visit ownwell.ca.    Here are the talking points we covered: How tariffs impact interest rates and inflation in Canada. The Bank of Canada’s likely response to economic uncertainty. Impact of tariffs on Canadian exports, GDP, and real estate. Why now is a rare opportunity for refinancing with minimal penalties. Explanation of the inverted yield curve and its implications. Term selection strategy: fixed vs. variable in today’s market. The importance of managing client expectations and framing mortgage advice.   In this episode of the I Love Mortgage Brokering podcast, I sit down with mortgage expert Dave Larock to unpack the impact of tariffs on interest rates and the Canadian housing market. We break down why the threat of tariffs alone is enough to create economic uncertainty, how the Bank of Canada may respond, and what that means for borrowers. Dave shares insights on term selection, why now is a unique window for refinancing, and why trying to time the market is a losing game. If you’re a mortgage broker looking to guide your clients through today’s rate environment with confidence, this episode is a must-listen.