The Mortgage Broker Credit Skill That Gets More Deals Approved

Avalon Bevan is the Founder and Mortgage Broker of Five Islands Finance, helping clients across Shellharbour, the South Coast and beyond navigate lending with a practical, relationship-first approach. After nearly ten years in loan processing, support and writing loans, Avalon launched her own business in December 2024 while raising three young boys — building around profitability, lifestyle and long-term client trust.

But this conversation goes well beyond starting a brokerage.

Avalon breaks down what it takes to go from support role to self-employed broker, why word of mouth is not enough, and why brokers need to build a brand to stay resilient through market changes. She also talks about self-employed clients, referral partners, credit policy, and running a business with three kids under four — showing that you can build a sustainable brokerage without doing everything the old way.

If you're a mortgage broker trying to grow your brand, work smarter and build a business that fits your life — this one's for you.

2:08 — Starting In Broking — From Admin Trainee To Mortgage Broker

4:56 — The First 18 Months — Salary Replacement, Profit & Freedom

7:48 — Solo Operator Reality — Bottlenecks, Marketing & First Hires

12:17 — FY27 Growth Plan — Marketing, Content & Brand Building

13:01 — Word Of Mouth Isn’t Enough — Why Brokers Need Visibility

20:52 — Advice For New Brokers — Find A Mentor Who Actually Helps

22:14 — The Industry Debate — Part-Time Brokers, Deal Quality & Standards

24:46 — Policy Isn’t Black And White — Exceptions, Credit Papers & Common Sense