Les Tricklebank · your mortgage broker · 20 years in property finance
Why \\"july10\\"?
10 July 2006. My first day in this industry, four days shy of my 18th birthday. I was a kid in Rotorua, New Zealand, handing my resume to clothing shops and cafes, and I wandered into a mortgage brokerage instead. The principal broker liked the cheek of it and gave me a job: making coffees, cleaning toilets, and learning how home loans actually get assessed. This was the fax-machine era. A loan application was a book of paper that clients carried in by hand.
July is also my birthday month, my wife's, and my grandfather's (the favourite human of my childhood). Then I went and started this company in July too. Honestly, the name picked itself.
The 20 years since
Credit assessor signing off home loans up to $5 million. Home lending specialist inside two of the big four banks. The person bank lenders would quietly call when a deal needed restructuring to actually get approved. I've seen lending from every side of the desk, and the client's side is the most fun by a mile.
Why the road maps are free
Brokers now write nearly 80% of Australia's home loans, yet the industry still loves making you book a call just to learn the basics. Not here. Put your numbers in, get the full plan, keep it. Work with me or don't, the road map's yours either way.
Because here's the game, said out loud: banks make billions a year in interest. That's their whole business, and fair play to them. Getting the loan is just your ticket in. Winning is paying as little interest as possible over the 30 years, so the money stays in your pocket instead of their very large one. That's what having a broker in your corner is for.
Off the clock
Three kids, one very patient wife, and whatever sport is on: league, union, tennis, basketball, darts. If it's competitive, I'm watching it. I'm a Kiwi, but Australia is home now, and all three of my kids were born here. I want them to watch their old man chase an idea, put the work in and make it happen. Every person I help into a home is part of that story, so if we end up working together, my kids owe you one.
