LVR Podcast #8 - Full Time vs Self-Employed Broker

The LVR Podcast™ Episode #8 – Should I Be a Full Time or a Self Employed Broker?

WE DISCUSS IN THIS EPISODE

This episode is for you if you’re starting out as a broker and wanting to learn the pro’s and con’s between self-employed and full time employed brokers. Take a listen now. Key points include:

The best things about the self-employed broker model are the flexibility and control you can have.
The best things about the full-time employee model are the stability, support and company ‘extras’ that could be at play.
This industry has limitless earning potential, no matter which model you choose to work under. The question is; what model is going to give you the chance to work with more people, talk and connect with more people and essentially help more people. Because when you take care of the people, the money will come.
As your business grows you do not have all the time to give, so you start to become more appreciative of your time, your family and what works for you.
Think about this; who you are and what are you trying to do? Self-employed brokers must think like a business owner, because when you’re trying to deal with clients and referrals all the business “stuff” can just add onto your stress. If you can deal with it and manage it yourself, then self-employed can be a way for you.
Think about what vehicle will allow you to become the best broker and the best person you can be and run with that.
Regardless of what model you’re in, your “brand” is your name. You choose to put your best self out there, no matter if you’re a self-employed broker or a full-time employee.
New brokers need help with resources but also need to create a circle of influence. The Broker Journal™ is an excellent resource for new brokers as it’s a 52 week online coaching program that will keep you on track in your broker’s journey.

Key Quotes

“Look after the people and the money will look after itself”- Ruan

“Find the model that allows you a client and engagement flow that will give you the ability to learn more and become a better broker.” – Ruan

“You need to enjoy it. It needs to be sustainable. If you surround yourself with good people every day, it will be sustainable”– Marissa

“Both models (full time and self-employed) have unlimited earning potential, depending on who you’re working with.”
Marissa

“There is definitely value at being a part of a trusted and respected brand. If you are on your own it’s hard to find the support you need, and the recognition that a group or brand can offer.” – Marissa

    
 
 
       Posted on Google  
   
   Ian Winn 
 24 September 2026
 
 
 Trustindex verifies that the original source of the review is Google. Ruan has been my mortgage broking coach for 6 months. Having owned a very successful mortgage  broking business and now a coach of many businesses he has unparalleled experience to share with his clients. He does this in a very clear and consultative manner. He is always looking for improvements and innovation for clients to implement in their businesses. He has a big picture approach which really helps you get out of the weeds when analysing your business. He has helped me grow my business and provide clarity to achieve my goals. Thanks for your support.
  
 
      Posted on Google  
   
   Anisa Buckley 
 14 September 2026
 
 
 Trustindex verifies that the original source of the review is Google. I have learnt so much from Ruan and the team at Success & Broker. Ruan's practical advice to me as a new broker has been incredibly helpful and I have incorporated many of his strategies and approaches into my own business.
  
 
      Posted on Google  
   
   Bree Rivers 
 14 September 2026
 
 
 Trustindex verifies that the original source of the review is Google. Working with Ruan has been great. He genuinely cares about your success and provides honest practical advice from his own experience that can be applied to get real results. I highly recommend Ruan to any broker wanting to grow.
  
 
      Posted on Google  
   
   Your favourite Bald & Bespectacled broker 
 6 August 2026
 
 
 Trustindex verifies that the original source of the review is Google. Great weekly 50min session with Ruan himself, done online over Zoom with other brokers.

Intimate session of around a dozen people, including Ruan and the host.

If you're a new broker and have under three or four years of experience, and wish to get an insight into Ruan's mind + pick up tips and tricks, it's a very good six month-long training program.

Even if you're a more seasoned broker like myself (nine years in December 2026), it's worth an education session - I have a few pages of notes and thoughts.

Give it a go, brokers.
  
 
      Posted on Google  
   
   Christopher Dodson 
 6 August 2026
 
 
 Trustindex verifies that the original source of the review is Google. Thanks Ruan for your insight and warm approach
  
 
      Posted on Google  
   
   Achani Kodippili 
 4 August 2026
 
 
 Trustindex verifies that the original source of the review is Google. That was an amazing journey with Success & Broker. Excellent guidance is simply practical. Thank you team for the opportunity.
  
 
      Posted on Google  
   
   Sara Shome 
 1 August 2026
 
 
 Trustindex verifies that the original source of the review is Google. I’ve really enjoyed being part of Ruan’s Grow Broker Program. As a broker with an over 5 years of experience, it is easy to reach a point where you feel like you’re doing well but not really moving forward.
This program challenged me to rethink almost everything I thought I knew about broking, relationships, branding and what it really takes to build a sustainable career.

Ruan has an incredible ability to make you look at your business and thinking from a completely different perspective while providing genuine support and practical strategies that you can implement immediately and easily. It is not about quick wins or generic coaching. It is about building the right foundations and becoming a better broker and business owner.

The confidence and clarity I gained through the program played a crucial role in my decision to move into a BDM role. It helped me recognise where my strengths truly lie and gave me the self confidence to take that next step.

I would highly recommend Success and Broker to anyone who feels they have reached a plateau or wants to take their career to the next level. It has been one of the best self investments I have made.
  
 
      Posted on Google  
   
   Jonathon Rhydderch 
 22 July 2026
 
 
 Trustindex verifies that the original source of the review is Google. The Success & Broker course has been fantastic.

As a new broker, you learn a lot about the technical side early on: compliance, lending policy, structuring deals. But what nobody really teaches you is how to build a sustainable business around all that. Ruan's program fills exactly that gap, giving you so many practical, actionable ways to grow: daily habits and consistency, marketing that actually works for a brokerage, operations and systems that scale, and how to genuinely deliver a great client experience rather than just process loans.

What I liked most is that it's not generic coaching. It's built specifically around where you are as a broker, whether that's establishing strong foundations early on or working toward running a proper business with leverage and a team behind you.

The 'Broker Journal' kept me on track throughout the course and is a great reference point when i need to work on my business. It is like a blueprint for success.

All of it is delivered in a refreshingly warm, positive, and genuinely invested way. You can tell they actually care about your outcomes, not just ticking a coaching box. Big thanks to Ruan, and to Ryan too. Highly recommend to any broker serious about building a real business, not just writing loans.
  
 
      Posted on Google  
   
   Alex Ritchie 
 8 July 2026
 
 
 Trustindex verifies that the original source of the review is Google. Ruan and the Success & Broker team have been really helpful in getting us to think about how we operate, how we build out or team, and where we want to go.
Ruan is super knowledgeable, having spent many years as a broker running multiple firms. He asks the right questions and challenges your thinking.
  
 
      Posted on Google  
   
   Lachlan McKean 
 6 July 2026
 
 
 Trustindex verifies that the original source of the review is Google. I've worked with Ruan at Success & Broker for the last 12 months~ and it's been great.

Always makes time to discuss what's going on and the advice is invaluable.

If you're a broker thinking of using Ruan's services, it's definitely worth jumping on board.

The LVR Podcast™ Episode #8 – Should I Be a Full Time or a Self Employed Broker?

THIS EPISODE WAS BROUGHT TO YOU BY The Australian Lending & Investment Centre

WE DISCUSS IN THIS EPISODE

Key Quotes

serious about

growth?

scaling?

learning?

succession?

recruiting?

lead flow?

process?

brand?

socials?