We've walked the path
you're about to take.
Seven mentors. 150+ years of combined experience. One mission: helping new brokers succeed where others struggle.
Built from experience,
not theory.
REFS Australia was founded because we saw too many new brokers struggle alone. Passing the Cert IV is just the beginning — the real learning happens on your first live files.
We started as working brokers ourselves. We remember the uncertainty of those first client conversations, the complexity of lender policies, the pressure of compliance. We built REFS to be the support we wished we'd had.
"Every broker deserves the guidance we wished we'd had when we started."
The mortgage broking industry
has a problem.
Too many new brokers fail in their first two years. Not because they lack talent, but because they lack structured support.
Traditional mentoring is often ad-hoc — a phone call here, an email there. We built a different approach: a structured 24-month pathway with clear milestones, regular check-ins, and mentors who actually remember what it was like to start from scratch.
Real Files, Real Guidance
We sit beside you on your actual loan applications — the complex ones, the edge cases, the deals that build confidence.
Mentors Who Remember
Every mentor built their own book from scratch. We know what it feels like to face your first declined application.
Independence as the Goal
Our job is to make you not need us. The best outcome is a broker confident enough to fly solo.
Meet your mentors.
Seven experienced brokers dedicated to helping you succeed. Each brings unique expertise to support your journey.
Debbie Hutchings
MentorNew-broker onboarding & business development
Belinda
Senior MentorFirst-home buyers and construction lending specialist with 18 years experience.
John
Senior MentorCommercial and asset finance specialist. Former bank manager with 22 years in lending.
Wayne
MentorInvestment property and portfolio structuring. Helped 200+ investors build portfolios.
Louise
MentorRefinancing and debt consolidation expert. 15 years helping clients restructure.
Eli
MentorSelf-employed and non-conforming lending specialist. 12 years in complex scenarios.
Peter
MentorRegional and rural lending expert. Based in QLD, serving brokers Australia-wide.
What guides everything we do.
Honesty Over Sales
We'll tell you if broking isn't right for you. We'd rather lose a client than set someone up to fail.
Progress Over Perfection
You won't get everything right on day one. We focus on consistent improvement, not impossible standards.
Independence as the Goal
Our job is to make you not need us. The best outcome is a broker who's confident enough to fly solo.
Compliance Isn't Optional
We build good habits from day one. Cutting corners now creates problems that compound later.
Ready to meet the team?
Book a 20-minute pathway call. No obligation, no hard sell — just an honest conversation about whether we're the right fit for your journey.
Book Your Pathway Call"The best decision I made was reaching out to REFS. They genuinely care about your success."— Drew P., Verified Google Review