A structured 24-month mentoring pathway that helps new brokers move from qualification to confident, compliant and independent business ownership — with experienced support on the files that matter.
Understand the qualification, mentoring, aggregator and financial-runway steps before committing.
Discuss my pathwayThe qualification opens the door. The demanding part is the two years that follow — applying lender policy to real people, structuring live deals, managing documentation, building reliable referral sources, staying compliant and running a brand-new business at the same time.
That's the stretch where good brokers are made, and where the right support makes the difference.
The window where new brokers most need structure, live-file guidance and a team to lean on.
Relationships and records that stay with you — the foundation of a genuine business asset.
Income that builds quietly in the background as your book grows and holds.
Decisions about how, when and with whom you work sit with you.
Room to grow at your own pace, without a salary band setting the ceiling.
No session counter. Ask the question while the file is live — when the answer actually matters.
Ask the question while it still changes the outcome.
Work through real scenarios with the team.
A second set of eyes before it goes in.
Regular, practical sessions with peers.
Structure scenarios with confidence.
Keep files clean and defensible.
Build a pipeline that keeps flowing.
Practical resources you can use today.
Clear checkpoints on how you're tracking.
Exact access conditions and service standards are confirmed during onboarding.
Explore a loan repayment scenario, or model how a growing loan book may create upfront and trail revenue.
Rates shown are editable examples, not an industry standard.
Leads the REFS mentoring program and its team of specialist mentors, with a focus on getting new brokers writing quality files early and building businesses that last.
View profileDeb and her team were absolutely fantastic to work with and gave a massive boost to my mortgage broking career. Reliable, practical support exactly when I needed it.
Choosing REFS for my new broker mentoring has been one of the best decisions I've made in my career. The structure and live-file guidance made a real difference.
REFS came highly recommended by my aggregator and they delivered on the lofty expectations that were set — professional, approachable and genuinely helpful.
Training
Practical, hands-on sessions that lift a whole team's capability.
Consulting
One-to-one and team guidance to sharpen how your business runs.
Education & industry partners
Straight answers on mentoring, timing and how the 24-month pathway actually works.
Book a relaxed 20-minute call and we'll talk it through — no hard sell.
Book a pathway callTell us where you are now. We'll help you understand the qualification, mentoring, aggregator and business steps ahead — whether or not you decide to proceed with REFS.
No obligation. We'll listen to where you are, answer your questions, and outline a sensible pathway — the qualification, mentoring, aggregator and business steps ahead.
