A structured pathway for your first two years.
Real guidance on live loan files, compliance support from day one, and mentors who've built their own books from scratch.
Start Your Pathway
File-by-File Support
Work through your actual loan applications with experienced guidance.
Everything you need to build
a successful broking business.
Our mentoring program isn't a course — it's hands-on support across every aspect of your new career.
Live File Support
Work through your actual loan applications with an experienced mentor. We review your files, guide your decisions, and help you navigate complex scenarios.
Compliance Framework
Build good compliance habits from day one. We provide templates, checklists, and ongoing guidance to keep you protected and audit-ready.
Dedicated Mentor
You're assigned a mentor who matches your goals and learning style. One consistent point of contact who understands your journey.
Regular Check-ins
Scheduled calls to review progress, troubleshoot challenges, and plan next steps. You're never left wondering what to do next.
Resource Library
Access to lender guides, policy updates, calculators, and training materials. Everything organised and searchable when you need it.
Business Hours Support
Questions don't wait for scheduled calls. Reach your mentor during business hours for time-sensitive guidance on active files.
Your journey from day one
to full independence.
Every broker's journey is different. Our pathway gives you structure while adapting to your pace and circumstances.
Building Your Base
- Set up compliance framework & processes
- Process first files with close supervision
- Learn lender policies & requirements
- Build your initial client pipeline
Growing Capability
- Handle increasingly complex scenarios
- Develop direct lender relationships
- Refine client communication skills
- Build referral network foundations
Building Momentum
- Work more independently on standard files
- Tackle edge cases with mentor backup
- Start generating trail income
- Cultivate repeat client relationships
Full Confidence
- Transition to light-touch support
- Handle all file types independently
- Sustainable business rhythm established
- Ongoing resource access & mentor network
"The best decision I made when starting out was signing up with REFS. Their structured approach and genuine support made all the difference in my first two years."Drew P. — Verified Google Review
Is mentoring right for you?
Exploring Broking
Considering a career change? We'll help you understand what's involved and whether it's the right path for you — honestly.
Studying Cert IV
Currently completing your qualification? Start planning your launch while you study, so you're ready to hit the ground running.
Newly Qualified
Got your Cert IV but not sure what's next? We'll help you get accredited, set up your business, and process your first files.
Ready to start your pathway?
Book a 20-minute call with a mentor. We'll discuss your goals, answer your questions, and honestly tell you if we're the right fit.
