An Open Letter to Mortgage Brokers:

We are here to help you!

With recent events such as COVID-19 our broker partners are seeing many clients losing their jobs, losing their minds and being very scared for their financial future.  Even within our communities, some mortgage brokers are concerned for their future.  Stress seems to be everywhere and it doesn’t appear to be going away anytime soon.

Now is a great time to partner with Adelaide Budgeting, to help your clients achieve their long and short-term financial goals with confidence, clarity and ease!  Why now you ask?

Well, as a mortgage broker your role has probably already started to evolve as scenarios are presented to you with more and more layers of complexity.  This additional complexity means more of your time is required to find solutions.  Our current business partners are also telling us that banks are taking longer to process simple actions due to their adaptation to this climate, this may also be impacting on time you are spending on hold, or chasing decision makers to get answers.

In 6 months-time (Sept 2020) we anticipate that the challenge many brokers are going to be faced with will be many, especially around the area of presenting clients to lenders who may not have the best serviceability when it comes to income due to loss of jobs, proving living costs to lenders, not to mention policies and rules changing with lenders resulting in many clients being denied finance.  I fear that these challenges may impact your business, your earnings and your commissions.

You may even find that clients will be coming to you with help on their budgets, which, respectfully is not something within the scope of what a mortgage broker does.  This will likely mean more of your precious time spent helping people with their cashflow, and offering this support whilst not writing any loans for future business.  Budgeting is not something that you should have to spend your time doing for your clients, your time is better spent doing what you do best which is finding the best lending solutions and helping them with their lending needs.

It doesn’t need to be like this because we can help to give you back your time!

At Adelaide Budgeting, our core strength is working collaboratively with mortgage brokers ensuring that YOUR clients have their household cashflow sorted.  This allows YOUR clients to achieve their long and short-term goals, opportunities to refinance and/or obtain finance for first home ownership or investment properties.  We are able to help YOU by taking a load off and delivering a superior budgeting service to your clients that you will be remembered for offering, during these very challenging times.  We can help to ease the pressure that both you and your clients face, by working with you together and helping your clients to achieve their financial dreams.  Think of us as an extension of your service.

We free up your TIME, by working with your clients, sending them back to YOU when they are ready for their LOAN!

Below are just two examples of how we have collaborated with mortgage brokers and the results we have achieved with them and their clients:

This was a collaboration with Ben Gregory – Senior Mortgage Broker at Easy Approval.  An amazing success story!  Ben referred, we consistently connected with the client, provided the structure, support and mentoring provided all the touch points needed and in 6 months time when the client was ready Ben received the deal with bank accounts sorted, debt under control and a client 100% ready for finance!  We took all of the pressure off Bens workload allowing him to focus on his other clients during this time!

This was a collaboration with Mikal Howard – Mikal Howard Finance.  Due to our work, Mikal has now been able to refinance this clients debt position into a personal loan where, 7 out of the 9 lines of unsecured debt were refinanced.  This resulted in saving the client $600 per month which we are using on the personal loan to reduce a 5 year loan term to just over 3 years!  We spent 6 months working with this client on their budget then Mikal wrote the loan with ease saving him time and effort.

But, don’t just take our words for it…  If you want to hear direct from Mikal Howard or Ben Gregory how we have helped them and their clients please feel free to give them a call:

Mikal – 0419 820 366

Ben – 0478 835 307

With a background in mortgage broking, and a diploma in finance and mortgage broking, and NO LONGER a mortgage broker, I understand not only the lending process but also the stresses and frustrations that can come with being a mortgage broker.  By having this expertise, it allows us to look at budgeting in a lender and broker centric light; and help guide your clients, to their financial goals in record times.

We can be a MAJOR support for you and your clients in these trying times, and even when life gets back to the “norm.”  We are a service that your clients would love for you to offer!  Whatsmore, it costs you nothing to work with us, we take zero commissions, and we take all the pressure off your workload!

Would you like more time back in your day?

Would you like your clients to have their budgets sorted and monitored then these same clients handed back to you loan ready?

Would you like us to help you ‘future proof’ your clients?

If you would like to know more, lets connect via Zoom and talk about how we can work with you –  Alternatively, please feel free to email me back, or contact via phone 0420 846 454.

If we can be of service, we would love to help you!

For more information or to arrange an appointment please contact us:

Andrew and Alyssa Mates on 0420 846 454

or via email at:

“An effective budget is knowing which numbers belong where; and what the values of these numbers are to make the magic in your life happen…”


ANDREW MATES is the director, money coach and operator of Adelaide Budgeting and has always had a keen interest in numbers and the philosophy of succeeding financially in a world full of consumerism.  Andrew is a valued member of the team and is passionate about education and empowerment around finance and providing people with the confidence to successfully manage their own finances.  Equipped with a Diploma in Finance and Mortgage Broking (but not a broker), Andrew and his team can work with you to create a budget plan and savings strategy that is second to none which will see you kicking goals and doing the things you want to do but never thought you could!

In between helping clients and working on strategies, Andrew also enjoys walking on the beach, playing with Lilly his Labrador and road trips with his wife Alyssa.