What, When and Why should you be considering an Exit Strategy from your Business?

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תוכן מסופק על ידי Ruan Burger and Marissa Schulze, Ruan Burger, and Marissa Schulze. כל תוכן הפודקאסטים כולל פרקים, גרפיקה ותיאורי פודקאסטים מועלים ומסופקים ישירות על ידי Ruan Burger and Marissa Schulze, Ruan Burger, and Marissa Schulze או שותף פלטפורמת הפודקאסט שלהם. אם אתה מאמין שמישהו משתמש ביצירה שלך המוגנת בזכויות יוצרים ללא רשותך, אתה יכול לעקוב אחר התהליך המתואר כאן https://he.player.fm/legal.

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Whether you're embarking on your journey as a mortgage broker or have an eye on your exit plan, this episode is a must-listen. We explore what exit strategies are, why they should be on your radar, and when it's the right time to start thinking about them.

Join us as Marissa Schultze chats with Ruan Burger, a seasoned mortgage broker with a track record of successful business exits. He's here to share his insights on this critical aspect of your broker journey, from understanding the 'when' to considering the 'how.'
Tune in to discover:

The importance of timing and strategy in your mortgage broker exit plan.
Insights from Ruan's personal experiences, exiting not one but two successful broker businesses.
Valuable tips to consider on your journey, whether you're just starting or you're well into it.

Quotes:

"Part of what we do with our clients is discuss exit strategy. We consciously keep them accountable to say: When does such a choice become a reality?" - Ruan
"I like shifting that to just having choices, knowing that you may not want to sell, it might not be something that's at the front of your mind at this stage, but maybe it's just about having choices in your business." - Marissa
"And from there I built the Family Plan vs Business Plan, because I came to realise what things should be non-negotiable for my family and what can I then build around it." - Ruan
"It's just really understanding what it is you want, what are your strengths and weaknesses and what is it going to give you, or help you to achieve your goals and objectives long-term." - Marissa
"Action dictates priority. As soon as I knew I wanted to sell, it was the actions that were more important to me than the priority of getting there." - Ruan

Thank You To Our Hosts: Ruan Burger and Marissa Schulze

More From Marissa and her company, Rise High Financial Solutions:

Marissa Schulze Linkedin

Marissa Schulze Instagram

Marissa Schulze Facebook

Rise High Financial Solutions

More From Ruan and his company, Success and Broker:

Ruan Burger Linkedin

Ruan Burger Instagram

Ruan Burger Facebook

Success and Broker

57 פרקים

#MBA #Business #Podcasting Education #Ruan Burger and Marissa Schulze #Marissa Schulze #Ruan Burger #Mortgage Broking #Mortgage Broker #Mortgage Broking Australia

LVR Podcast

What, When and Why should you be considering an Exit Strategy from your Business?

LVR Podcast

published לפני שנתיים

שתפו

MP3•בית הפרקים

Send us a text

The importance of timing and strategy in your mortgage broker exit plan.
Insights from Ruan's personal experiences, exiting not one but two successful broker businesses.
Valuable tips to consider on your journey, whether you're just starting or you're well into it.

Quotes:

Thank You To Our Hosts: Ruan Burger and Marissa Schulze

More From Marissa and her company, Rise High Financial Solutions:

Marissa Schulze Linkedin

Marissa Schulze Instagram

Marissa Schulze Facebook

Rise High Financial Solutions

More From Ruan and his company, Success and Broker:

Ruan Burger Linkedin

Ruan Burger Instagram

Ruan Burger Facebook

Success and Broker

57 פרקים

#MBA #Business #Podcasting Education #Ruan Burger and Marissa Schulze #Marissa Schulze #Ruan Burger #Mortgage Broking #Mortgage Broker #Mortgage Broking Australia

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לפני 2 years13:32

13:32

Send us a text WE DISCUSS IN THIS EPISODE As a mortgage broker, staying ahead of the curve and providing valuable insights to your clients is crucial in today's dynamic finance industry. In this thought-provoking episode, we shed light on the role of comparison websites and their impact on brokers. Get ready for a captivating discussion that might just change the way you view comparison websites and their potential as a tool in your broker toolkit. Take a listen now. Find the answers to the following: - Are comparison sites competitors or complementary resources for brokers in helping clients find the right mortgage? - How can everyday finance websites like savings.com.au benefit mortgage brokers and keep them updated on market-relevant information? - How can comparison sites bridge the gap in financial literacy while collaborating with brokers to educate Australians about personal finance? - Will comparison sites adjust and become broker-focused, as they move toward using content from brokers? - Curious about the ever-changing market and finance trends? Discover how savings.com.au keeps pace with new developments and provides insights for everyone. Key quotes: "When 7/10 people use mortgage brokers it's good to know what sites are out there to tell our story, to tell the market what happens in our areas as well as what's market-relevant for us mortgage brokers." - Ruan "I appreciate the value of a site like this because it provides access to another layer of knowledge that we can readily share with our clients." - Ruan "Looks like you're doing some great stuff in terms of the education space, thank you so much for sharing that information with us." - Marissa "That brokering service is always going to be there in Australia. Even some of the people in the team here, who you could consider high-level of expertise in the home-loan space, still prefer to go through a broker, just for convenience." - Dominic Thank You To Our Hosts: Ruan Burger and Marissa Schulze More From Marissa and her company, Rise High Financial Solutions: Marissa Schulze Linkedin Marissa Schulze Instagram Marissa Schulze Facebook Rise High Financial Solutions More From Ruan and his company, Success and Broker: Ruan Burger Linkedin Ruan Burger Instagram Ruan Burger Facebook Success and Broker…

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Australian Lending & Investment Centre's Damian Brander talks Investment Lending & Education. 25:39

לפני 2 years25:39

25:39

Send us a text WE DISCUSS IN THIS EPISODE Join Ruan, Marissa and Damian from Australia Lending and Investment Centre in this engaging conversation as they dive into the world of investment lending and education. Discover the strategies that the ALIC employs to minimise cash flow impact for their investment clients, get the inside scoop on the pros and cons of niche specialisation vs diversifying, and learn more about their unique career pathway program. Plus, uncover how ALIC has fostered a diverse team, celebrating achievements in gender and cultural diversity. Don't miss this enlightening discussion on specialisation, education, and building a skilled and inclusive workforce. Find answers to the following: - How does ALIC see the current market challenges as exciting opportunities for investors? - How does ALIC minimise cash flow impact for their investment clients? - What are some examples of ALIC's successful collaborations with experts from related fields? - What are the advantages and disadvantages of niche specialisation in mortgage brokering? - How does ALIC's career pathway program support the development of expertise and ensure high-quality brokers? - How has ALIC fostered gender and cultural diversity within their team and the benefits they have experienced? KEY QUOTES "What we’ve done is we’ve invested in people at the very beginning, and we’re showing them that you can become a broker, that it’s not this hard cliff you have to jump off and sort of make it on your own." - Damian "I think our industry needs to see more of those career pathways being set up so that we can try and get some good young people into the industry, and make sure the quality and equality is there." - Marissa "There’s a big investment that comes into play because you almost have to build your employees in a certain form to be sure that they deliver on what you’ve been selling to the market in respect to your capacity." - Ruan "For us it makes a lot more sense to invest in people at a very early stage and grow them through all of our business roles to ensure that they are appropriately trained and have the right skills and the right experience and technique to mirror what we expect of our investment lending managers." - Damian "The trust equation is very simple, it’s all about what’s in the best interest of the client." - Damian "A lot of our listeners will be torn between specialising in a niche and diversifying, and you’re obviously a very successful example where specialisation has worked really well for you." - Marissa "The tests are already done. From what ALIC has done in terms of the career pathway program, they've got enough information to show us all that it is working. At a grassroots level we can make our industry ev Thank You To Our Hosts: Ruan Burger and Marissa Schulze More From Marissa and her company, Rise High Financial Solutions: Marissa Schulze Linkedin Marissa Schulze Instagram Marissa Schulze Facebook Rise High Financial Solutions More From Ruan and his company, Success and Broker: Ruan Burger Linkedin Ruan Burger Instagram Ruan Burger Facebook Success and Broker…

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How to Maximise Value to Clients in a Rising Interest Rate Environment. 16:35

לפני 2 years16:35

16:35

Send us a text WE DISCUSS IN THIS EPISODE Discover the keys to thriving in a rising interest rate environment. This podcast episode with Ruan Burger and Marissa Schulze dives deep into the strategies and insights necessary to navigate the changing market landscape. Join us as Ruan and Marissa share expert advice on adapting your approach and prioritising education, and unlock the tools and knowledge you need to optimise your value proposition and stay ahead of the curve. Find answers and insights to the following: Are you equipped to adapt your approach to rising interest rates and ensure client satisfaction? How can you maximise your value proposition in a changing mortgage landscape? What are effective techniques for nurturing long-term client relationships and generating referrals during market fluctuations? How can you support clients facing challenges in the current interest rate environment? What role does education play in providing exceptional client experiences? How can you address the needs of clients impacted by rising interest rates? What are the strategies employed by top-performing brokers to build trust with clients in uncertain times? Key quotes: “I think there’s a lot of mortgage brokers out there in Australia that have never experienced an interest rate rising environment.” - Marissa “It’s really important to have that shift in mindset as to what is really important to our clients moving forward.” - Marissa “You have to slow down before you speed up.” - Ruan “We’re setting an experience trend with our clients to know if this was to happen again, this is what would happen, this is how it’ll work and this is how we will deal with it.” - Ruan “We need to center our value around education, and that needs to be the experience that we provide.” - Marissa “You can’t ask for referrals, you have to educate for referrals.” - Ruan “What has made us who we have become? It’s our clients. It’s not the banks. It was 100% our clients. We have to do the very thing that made them come to us in the first place.” - Ruan “If you stick to the education focus you’ll survive and thrive this period of upswing in interest rates.” - Marissa Thank You To Our Hosts: Ruan Burger and Marissa Schulze More From Marissa and her company, Rise High Financial Solutions: Marissa Schulze Linkedin Marissa Schulze Instagram Marissa Schulze Facebook Rise High Financial Solutions More From Ruan and his company, Success and Broker: Ruan Burger Linkedin Ruan Burger Instagram Ruan Burger Facebook Success and Broker…

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Using Technology To Take the Pain Out of Finding the Right Lender for your Client with Guest Eric Dill 21:57

לפני 2 years21:57

21:57

Send us a text We discuss in this episode: Chatting with Eric Dill, Co-founder of Quickli , we cover what’s happening in the tech world and how mortgage brokers can leverage it to support clients further and enhance the overall client experience. We also touch on the gap in the market Quickli (and brokers) have identified and why finding the right balance of tech and human touch is key moving forward. Quickli brings 20+ lender calcs into one, easy-to-use interface that allows brokers to place a deal faster than ever before! Tech like Quickli doesn’t replace but enhances brokers’ capabilities and reach — freeing them up for more time to spend on other key tasks; any good tech only strengthens the brokers’ proposition. Even if products like Quickli were directly available to consumers, they’re still going to welcome the opportunity to get a broker involved — they’re going to want that handholding. Looking ahead, we can expect to see more third-party services popping up, bringing in more technology and opportunities for aggregators. Scaling business will become difficult for brokers unwilling to adopt newer tech — don’t be afraid; embrace it. But don’t become lazy; brokers still have due diligence to tick all the boxes. Key Quotes: “The future of the industry is going to require brokers to adopt the right tech, and there needs to be the right blend of tech and the human element.” — Eric “There’s always an exception to the rule, and good brokers know that good policy is great, but the exception to the rule is better.” — Ruan “Aggregators can help us remain compliant and keep us doing what we do best, and that’s selling compliantly.” — Ruan “The time we’re saving with tools like Quickli, we should be reinvesting into our clients.” — Marissa Thank You To Our Hosts: Ruan Burger and Marissa Schulze More From Marissa and her company, Rise High Financial Solutions: Marissa Schulze Linkedin Marissa Schulze Instagram Marissa Schulze Facebook Rise High Financial Solutions More From Ruan and his company, Success and Broker: Ruan Burger Linkedin Ruan Burger Instagram Ruan Burger Facebook Success and Broker…

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How To Create an Environment Where Team Members Show Up and Turn Up with Guest Paul Findlay 35:35

לפני 2 years35:35

35:35

Send us a text We discuss in this episode: How do you build the right team culture and become an amazing leader if you’re new to recruiting or leading? It’s a scary task for many business owners, but it doesn’t have to be. We dive into understanding team culture with Paul Findlay from REACH Ecosystem. Look at team culture from a leader’s perspective; people do their best work in an environment where they want to do their best work. Leaders play a critical role in creating team culture; they must be someone people respect and want to follow. Surveying staff regularly is essential for temperature testing, but only if you take action after. 40% of people are actively disengaged if they don’t get regular feedback 92% of people agree that even if they receive negative feedback, it will improve their performance Strength-based recruitment places the right people in the right role; leverage tools that can help. Monitor your team culture to attract (and keep) the best talent. Key Quotes: “Surveying staff without taking action undermines culture, undermines trust and is a waste of time.” — Paul Findlay “Almost half of your people are actively disengaged, meaning almost half of your staff will actively work against you if you don’t give them regular feedback.” — Paul Findlay Thank You To Our Hosts: Ruan Burger and Marissa Schulze More From Marissa and her company, Rise High Financial Solutions: Marissa Schulze Linkedin Marissa Schulze Instagram Marissa Schulze Facebook Rise High Financial Solutions More From Ruan and his company, Success and Broker: Ruan Burger Linkedin Ruan Burger Instagram Ruan Burger Facebook Success and Broker…

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How To Use Technology To Improve The Client Conversion with Guest Ben Shapira 24:33

לפני 2 years24:33

24:33

Send us a text We’re always looking for new tech that can add value without removing the human element that makes our service invaluable. Enter: the diñeiro app! In this episode, we chat with special guest Ben Shapira about how the app can streamline managing a financial portfolio for brokers and consumers. Most technology solutions currently in the market are designed to simplify the process for brokers; the diñeiro app works for both consumers and brokers. diñeiro allows users to centralise their financial portfolio and share, allowing brokers to understand a client’s current status and borrowing potential. The app is a helpful retention tool for brokers to identify whether their clients might be future property investors by staying connected to the client’s financial goals, assets, expenses, liabilities, and equity growth. App engagement is positive even after loan settlement, with consumers checking in once or twice a month. Whitelabel functionality is available for brokers passionate about building their brands, allowing brokers to have their own apps. Within 24-36 months, we can expect large-scale digitalisation in all areas of the lending space. deñerio expects to move into the small business lending space and anywhere that financial data is necessary — including integrations with the ATO, Xero, and more! Key Quotes “[With diñeiro] You don’t have to be tethered to the desk; they can meet a client for coffee or dinner and be able to talk about their finances.” — Ben “Clients find that brokers who are making an effort to be more engaged, and it makes the relationship more solid.” — Ben “It’s like a birdseye view for your finances.” — Ruan Thank You To Our Hosts: Ruan Burger and Marissa Schulze More From Marissa and her company, Rise High Financial Solutions: Marissa Schulze Linkedin Marissa Schulze Instagram Marissa Schulze Facebook Rise High Financial Solutions More From Ruan and his company, Success and Broker: Ruan Burger Linkedin Ruan Burger Instagram Ruan Burger Facebook Success and Broker…

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Top Things That Have Changed in 2022 22:21

לפני 3 years22:21

22:21

Send us a text The industry has experienced exponential growth in the past 12 months; however, that’s all about to change! The lending environment is shifting, so brokers need to keep up with what’s ahead. A busy year for the industry meant an emphasis on recruitment, but finding the right staff wasn’t always easy. Taking the time to slow down and focus on recruitment to grow, retain, and perform will be essential moving into the new year. Focus on your employee/employer value proposition and workplace culture to make sure you’re attracting the right people to your team. The wild ride that was 2022 — in terms of loan volume and borrowing capacity — is coming to an end, so brokers will need to look for other strategies to grow their business. Brokers who haven’t experienced a rising rate environment need to upskill to have the right knowledge and education to support their clients. Choose the right technologies to improve your business, client experience, and efficiency, but remember the value you bring that tech can’t. Mental health, diversity, inclusion, and work-life balance are top priorities for brokers — we must continue to build awareness in these areas. A changing market means more brokers are paying attention to lead flow and are investigating better processes to gain new leads. Expect to see more consolidation of businesses in our industry next year as sole operators find it difficult to keep up with compliance requirements. Key Quotes “Recruitment isn’t the call to action; it’s merely the process for the call to action, which is employment.” — Ruan “When you’re desperate to hire is the worst time to hire.” — Marissa “The fixed-rate avalanche is coming, so brokers need to know how to advise and educate their clients.” — Ruan Thank You To Our Hosts: Ruan Burger and Marissa Schulze More From Marissa and her company, Rise High Financial Solutions: Marissa Schulze Linkedin Marissa Schulze Instagram Marissa Schulze Facebook Rise High Financial Solutions More From Ruan and his company, Success and Broker: Ruan Burger Linkedin Ruan Burger Instagram Ruan Burger Facebook Success and Broker…

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The Importance of a Workflow and Dealflow System with guest Will Swayne 16:12

לפני 3 years16:12

16:12

Send us a text Back in the day, a broker could do a deal on the back of a fax and voila. These days with more compliance, quality control and deadlines from lenders and clients a broker needs more support and that support can come in the form of smart systems. Broker Engine is a workable tool for any broker. Here's more about Broker Engine: Broker Engine handles the entire life cycle of the client, the leadflow to dealflow to running reviews and client maintenance so that you retain more clients. All these systems help a broker to manage a successful client relationship over time and ensure that you are retaining more clients. If I was to sign up tomorrow to Broker Engine, how much time will it take to get it running? With Broker Engine we supply the workflows out of the box and have a customer success team to support our clients so we suggest it takes about three weeks to get it up and running, so not long at all. For Broker Engine, we see: The broker likes it, team likes it, the client likes it. It helps to document the processes and systems so that the things that typically gets missed from a workflow are put into a structure, allowing a team to become at least 20% more efficient. Broker’s who are business builders and building a team to scale, then Broker Engine can help you achieve a more powerful business flow. The whole workflow and the client engagement can be managed in a powerful way with Broker Engine. Key Quotes “Leadflow is what gets you the appointments and what gets you the activity.” - Ruan “After the loan settles, aftercare can be built into the system via email and sms, so it takes the headache away from brokers having to remember everything.” - Will Thank You To Our Hosts: Ruan Burger and Marissa Schulze More From Marissa and her company, Rise High Financial Solutions: Marissa Schulze Linkedin Marissa Schulze Instagram Marissa Schulze Facebook Rise High Financial Solutions More From Ruan and his company, Success and Broker: Ruan Burger Linkedin Ruan Burger Instagram Ruan Burger Facebook Success and Broker…

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How To Attract And Retain Top Talent With Guest Paul Findlay from Reach 21:43

לפני 3 years21:43

21:43

Send us a text A lot of brokers struggle with the attraction and retention side of the business. REACH is a great tool that business owners can rely upon in their recruitment process to have the confidence that they are finding the right people in the right team. However, it’s also about retaining them and keeping your culture thriving. The goal is to have a team that love what they do, adding value to the business every day and shouting from the rooftops of what a great place your business is to work! REACH is a capability and culture platform which is data led and automated. There is a profiling element as well as a huge learning platform, a culture platform and a leadership element plus much more. A typical profiling tool helps an employer identify someone who fits the role (but it doesn’t say this is some learning you can dive into to help you get to the next stage in your career and it doesn’t say this is our culture, and this is where you want to work) REACH does. REACH uses data and automation that gives a team member their own micro learning that is in the moment and specifically suited to that team member’s growth. REACH helps to create the foundation for learning then gives a team member their personalised learning which they can work through independently and grow their skills. For leaders, owners and managers who enjoy coaching their team and having their hands in the upskilling then the platform gives the learning platform for managers to use in their coaching process. You can apply REACH surveys to any part of the application process. You get the insights into whether an applicant will genuinely enjoy the work associated with the role on offer, and how they will fit in with your existing team and culture. You get the data to be confident that you can bring them into your business and sit them up for success. The culture survey element of REACH can bring so much feedback and awareness to a leadership team on how the team and individuals are feeling (and how engaged they are) about the business. When you don’t have the data point to get some awareness, then you have a revolving door of people who keep leaving the role and company and you don’t know why. Key Quotes “The talent is out there, it’s just a very competitive marketplace…and people are moving jobs a lot, trying to find the workplace they can add value and have a meaningful career”. - Paul “There’s more to it than the recruitment piece. The culture element is huge and the 360 platform for the managers too.”- Ruan Thank You To Our Hosts: Ruan Burger and Marissa Schulze More From Marissa and her company, Rise High Financial Solutions: Marissa Schulze Linkedin Marissa Schulze Instagram Marissa Schulze Facebook Rise High Financial Solutions More From Ruan and his company, Success and Broker: Ruan Burger Linkedin Ruan Burger Instagram Ruan Burger Facebook Success and Broker…

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לפני 3 years11:40

11:40

Send us a text Loan decline is something that every mortgage broker wants to avoid because getting a loan decline for a client is pretty upsetting (not only for the client but also sharing such news is also something that you want to avoid). So, how can brokers handle loan declines better? Communication is Key! As a mortgage broker, you can educate your client about the possibility that declines can happen. Be upfront about the lender’s expectations, do your research and prepare the loan offer in such a way that it’s methodical and you’ve checked off all the subtleties of the loan procedure in depth (for that lender). Then go one step further and explain the process of what happens when a loan is rejected. Have a Plan B and share it with your client upfront. So that if a decline happens both you and the client are aware of the next steps. Do your forensic research upfront. Do the investigations into what could be rejected by the credit assessor, get the appropriate credit reports of the respective client, collect bank statements and review them appropriately. Think ‘what could come up’ and deal with it. This will ensure that there are more chances of a loan being approved if all the documents meet the creditor's and lenders criteria and hence the chances of loan decline will be much less. When A Decline Happens: Deal with it. When a loan is declined, don’t complain about it and don’t stick your head in the sand. Find out why it got declined and get a solution so that you and the client is prepared for the next attempt. Learn from your mistakes and take action to get the right decision in the next attempt. If you don’t “learn from your mistakes” you will repeat those errors. Control the relationship with the client whether the loan is approved or declined. The way you handle a decline can give you big credit towards how the client views the relationship. Share all information you have with the client, tell them what went wrong with the loan, and what can be done better. These things go a long way in winning the trust of the client and it can also ensure the client stays with the broker for life. Transparency, honesty, professionalism - it matters a lot in a decline situation. Key Quotes “If you treat every deal as a decline, there is a better opportunity of one being approved.” - Ruan “If you get a decline - deal with it. Fix it. Don’t complain about it. It happens to us all.” - Ruan “Own that moment. It’s up to you to ensure the client gets that experience that they signed up for”. - Ruan “Look at every deal and review everything forensically as to what could the credit assessor find? Do that forensic assessment upfront and you Thank You To Our Hosts: Ruan Burger and Marissa Schulze More From Marissa and her company, Rise High Financial Solutions: Marissa Schulze Linkedin Marissa Schulze Instagram Marissa Schulze Facebook Rise High Financial Solutions More From Ruan and his company, Success and Broker: Ruan Burger Linkedin Ruan Burger Instagram Ruan Burger Facebook Success and Broker…

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What, When and Why should you be considering an Exit Strategy from your Business?

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What, When and Why should you be considering an Exit Strategy from your Business?