Your Interactive Plan to a $100M Brokerage

This isn't just a report; it's a dynamic tool. Use the sliders and charts below to deconstruct the goal and explore the proven strategies to scale your business in FY25.

1. The Anatomy of a $100M Brokerage

An audacious goal becomes manageable when you break it down. Use the slider to adjust the average loan size for your market and see exactly what the numbers demand each week. This section turns the abstract goal of $100M into a concrete, data-driven set of weekly KPIs for your business to track.

Weekly Qualified Leads

40

Weekly Pre-Approvals

10

Weekly Lodgements

4

Weekly Settlements

3

Based on a $100M annual target and industry conversion rates: 40.7% (Pre-Approval to Lodgement) and 76.1% (Lodgement to Settlement).

The Leaky Funnel: Conversion Rate Decline

The report highlights a critical challenge: a sharp drop in pre-approval to settlement rates. This chart shows why operational efficiency is no longer optional.

Location Matters: Avg. Loan Size by State

Your settlement volume depends on your market. This chart shows the average new loan size across different Australian states.

2. The Growth Engine

With your weekly target of 40 qualified leads established, this section details the dual-pronged engine required to deliver them consistently. It covers building an attractive brand through strategic marketing and creating a systematic process to generate high-converting referrals from clients and professional partners.

📢 Marketing: Build a Brand That Attracts

  • ✔ Find Your Niche: Don't be a generalist. Be the "Investor Expert" or the "First Home Buyer Guide."
  • ✔ Dominate Local SEO: Optimize your Google Business Profile. Reviews are marketing gold.
  • ✔ Content that Builds Authority: Create guides and tools that solve client problems.
  • ✔ Strategic Ads: Use Google & Facebook to target high-intent leads.

🤝 Referrals: Systematise Your Best Leads

  • ✔ The Golden Window: Ask for referrals within 48 hours of settlement.
  • ✔ The Partner Playbook: Lead with value for accountants and real estate agents. Certainty and speed are your currency.
  • ✔ Remove Friction: Use a simple "Refer a Friend" form on your website.
  • ✔ Incentivise & Reward: A structured program shows appreciation and motivates action.

3. Bulletproof Operations

Generating leads is only half the battle. A successful scaling effort requires a "factory" of documented processes and specialized people to handle the volume efficiently. This section outlines how to design your client workflow, structure your team, and protect your trail book, transforming you from a practitioner into a business owner.

⚙️ Design the Scalable Workflow

  • ✔ Automate Onboarding: Auto-send Credit Guides and digital Fact-Find links.
  • ✔ Document Everything: Create detailed checklists for every stage of the loan process.
  • ✔ Proactive Communication: Use automated email/SMS updates at key milestones to reduce client anxiety.

👥 Build Your Team: Specialists, Not Generalists

The right team structure is critical. Delegate to specialists to free yourself for high-value tasks.

Client Service Manager (CSM)

Owns the client relationship, document collection, and communication.

Loan Processor / Credit Analyst

Owns the file from submission to settlement. Liaises with lenders.

Consider Outsourcing

Use offshore teams for admin tasks to add capacity and reduce costs.

4. The Tech Stack for Scale

Your technology is your business's central nervous system. Relying on generic aggregator software is a cap on growth. This section details the essential components of a modern, integrated tech stack that drives productivity, enhances client experience, and gives you a competitive edge.

Core
CRM

The Hub: Your CRM (e.g., BrokerEngine, Salestrekker)

Serviceability

e.g., Quickli

Doc Collection

e.g., FinanceVault

Bank Statements

e.g., Open Banking

E-Signatures

e.g., DocuSign

Client Reviews

e.g., Sherlok

AI & Automation

e.g., AI Assistants

The spokes: Specialized tools integrated with your CRM to eliminate bottlenecks.

5. The Unseen Traps to Avoid

The path to $100M is littered with pitfalls. These are rarely market forces; they are internal failures of discipline and strategy. Avoiding them is as important as implementing the right growth tactics. This is the clear-eyed advice that prevents a scaling journey from ending in frustration.

⚠️ Compliance Bottleneck

Don't treat Best Interests Duty (BID) as a burden. Build it into your CRM and workflow to turn compliance into an efficient, defensible process.

⚠️ Data Disaster

Poor data hygiene kills growth. Inconsistent data entry leads to compliance risks and marketing failures. Enforce a data standard from day one.

⚠️ Aggregator Crutch

Relying only on aggregator tools makes you generic. Invest in your own brand, tech, and processes to build a standalone asset.

⚠️ Key Person Dependency

If the business can't run without you, it's a job, not an asset. Document processes and empower your team to escape this trap.